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Our plans explained

our plans explained

How to buy our plans

All our plans must be purchased through a financial adviser.

They will help you through the process, gathering all the correct information and making it as easy as possible.

Please bear in mind, you may have to pay for any work an adviser does for you.

» Find a financial adviser

» Things to consider before you speak to a financial adviser

 

Level Protection Plan

Our Level Protection Plan may be right for you if you're looking for financial protection for your family or business if you die, suffer a terminal illness or are diagnosed with a critical illness covered by your plan. The protection you get will depend on the type of cover you choose.

Find out more about this plan’s features, aims, risks and commitments


Adaptable Life Plan

Our Adaptable Life Plan may be right for you if you want to provide a cash sum for your family whenever you die or are diagnosed with a terminal illness at any time. Your payments will be guaranteed, which means they will stay the same unless you ask us to change your level of cover, or you include the Indexation optional extra, which means your life cover will increase automatically each year in line with rises in the National Average Earnings Index.

 Find out more about our Adaptable Life Plan - Guaranteed Payment’s features, aims, risks and commitments


Decreasing Mortgage Cover Plan

Our Decreasing Mortgage Cover Plan may be right for you have a repayment mortgage or loan and you want to make sure the debt will be repaid if you die, suffer a terminal illness or are diagnosed with a critical illness covered by your plan before the end of the mortgage or loan term. The protection you get will depend on the type of cover you choose.

Find out more about this plan’s features, aims, risks and commitments


Income Protection Plan

Our Income Protection Plan may be right for you if you need a regular income to replace some of your earnings if you can't work because of illness or injury, whether you’re employed or self-employed.

It may also be right for you if you have a business where the loss of a key person, due to illness or injury, will affect your ability to generate income and profit.

Find out more about this plan’s features, aims, risks and commitments