Stand-Alone
Life Essentials
Reasons to recommend
- Covers kept separate with our dual life approach
- Premium Waiver included as standard with 26-week deferred period
- Optional children’s critical illness cover
- Payout Planner
- Part of our Protection Menu
- Lifestyle promise for smokers
- Immediate Cover up to £300,000
- HALO claims service
- Guardian Anytime
Life Essentials is a fixed-term insurance cover that will pay out the amount covered if either of the
following events happen while the cover is in force:
- Your client dies.
- Your client is diagnosed as being terminally ill and, in the opinion of a UK Consultant, their illness:
- has no known cure or has progressed to the point where it can’t be cured, and;
- is expected to lead to their death within 12 months.
These definitions apply to Life Essentials only. For Life Protection definitions, visit the Life Protection product page.