Life Essentials

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.