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Together they help protect citizens from the financial
perils of death and illness.

Meet the villains
Meet the superheroes

The villains

They lurk in the shadows, randomly wreaking havoc on
the lives of unsuspecting families.

Why citizens need protecting from death…

Death can strike
at any time

The average age of a life claimant in 2023 was 47 and the youngest was just 27.1

No family is safe

An estimated 46,300 children lose a parent each year.2

Raising a child
alone is costly

The cost of raising a child to age 18 is £220,000 for a lone parent.3

Without cover, families could
battle to keep their homes

The average first time buyer mortgage is £227,757.4

1: Guardian 2023 claims report. All claims with a decision made from 1 January 2023 – 31 December 2023. 2: UK death & bereavement statistics, childbereavementuk.org, August 2024. Dependent child aged 0 – 17. 
3: The Cost of a Child in 2023, cpag.org.uk, December 2023. 4: Mortgage of first time buyer tops £1,000 a month as house prices and rates rise, theguardian.com, 24 June 2024.

Why citizens need protecting from illness…

Many people can’t
depend on their savings

46% of UK citizens have £1,000 or less in savings.1

Government help
is minimal

Statutory sick pay amounts to just £116.75 a week for 28 weeks.2

Many working people
live month-to-month

24% of UK workers admit to often running out of money before pay day.3

Illness is one of
our biggest risks

1 in 13 people are off work due to a long-term illness.4

1: Savings statistics 2024: Average savings by age in the UK, finder.com, 4 June 2024. 2: Statutory Sick Pay (SPP), gov.uk, 2 September 2024. 
3: UK savings crisis as financial wellbeing gap widens, Yorkshire Building Society, 16 August 2023. 4: Employment: People on long-term sick feel ‘written off’, bbc.co.uk, 13 July 2023.

The superheroes

When citizens need protecting from death and illness you need the combined superpowers of our covers.

LIFE COVER

The Family Protector

Here to keep families financially secure when a loved one dies or becomes terminally ill.

INCOME PROTECTION

The Lifestyle Protector

Here to step in and pay the bills, when hard-working citizens find themselves too ill to work.

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THE POWER OF
LIFE COVER OPTIONS

With low-cost Life Essentials and premier Life Protection, we have a life cover option for every citizen.

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THE POWER OF
PAYOUT PLANNER

Clients can nominate up to 9 beneficiaries during the application, so any payout bypasses probate.

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THE POWER OF
ENHANCED TERMINAL ILLNESS

Our Life Protection pays out on certain terminal illness conditions regardless of life expectancy.

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INCOME PROTECTION

The Lifestyle Protector

Here to step in and pay the bills, when hard-working citizens find themselves too ill to work.

THE POWER OF
PAYOUT PERIOD OPTIONS

Tailor cover to clients’ budgets with full-term or 2-year payout period options.

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THE POWER OF
OWN JOB DEFINITION

Give your client the reassurance of knowing we pay out if they’re too ill to do their actual job.

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THE POWER OF
PREMIUM WAIVER AS STANDARD

We waive premiums after 28 days regardless the chosen Income Protection deferred period.

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And, Premium Waiver is included as standard for all policyholders regardless of age, job, or activities. Depending on the cover they
choose, we can also pay out for up to 6 months for maternity/paternity leave or if they involuntarily lose their job.

And because kids get ill too…

OUR CHILDREN’S CRITICAL ILLNESS PROTECTION
CAN BE ADDED TO ANY ADULT COVER
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Combine the superpowers of our life cover and
income protection in one fell swoop with…

The menu-based quote and apply system
that let’s you fly through applications.

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AND DON’T FORGET…
OUR SUPER COVER COMES WITH SUPER
ADDITIONAL BENEFITS
Extraordinary claims support.
Free medical expertise, anytime.
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