Protection Builder 2.0 was specifically designed to bring our menu proposition to life. Advisers were involved at every stage of the design process to make sure the user experience was intuitive, flexible, and highly efficient.

Our menu gives you the opportunity to combine multiple covers from both our Essentials and Protection ranges. So whether their priority is enhanced cover or affordability, you can build a policy that’s right for them.

With Protection Builder 2.0, you can combine up to 10 covers from either our Essentials or Protection range, for each person on a single policy, each with different cover types, amounts and terms.

With Protection Builder 2.0, you can edit and delete individual covers and correct or add underwriting disclosures post-decision.

Protection Builder 2.0 presents you with a single question-set that underwrites your clients for all covers selected as part of the protection policy. What’s more, you have control over the order in which the questions are answered.

Using our Protection Menu means less paperwork for clients. They only need to complete one application, set up one direct debit, and in the event of a claim, deal with one provider.

We don’t offer joint life. Instead, we offer a dual life approach where both partners’ cover is kept separate. That way, if there’s a claim on one partner’s cover, the other partner’s cover remains in place.

Premium Waiver comes as standard with every policy.

We’re not just here for policyholders when they need to claim. All our customers get free additional benefits – anytime.

When illness is critical, additional medical, legal, and mental health support is available at no extra cost with HALO, our claims support service.