Benefits and options
For Relevant Life Plan
Several benefits are automatically included in our Relevant Life Plan.
Several benefits are automatically included in our Relevant Life Plan.
We’ll cover your client’s employee from when we receive the application, for up to 90 days or until we accept, postpone or decline their application.
This means that if they die due to an accident during this time, we’ll pay out the amount they’ve asked to be insured for, up to a maximum of £300,000 for all applications.
The amount will be paid out if the person sustains bodily injury which is the sole cause of death and if the death occurs within 90 days of such an accident.
The lump sum will be paid only once, either under the Accidental Death Benefit, or the policy itself.
Please read the PDF file: Accidental death and cover certificate PDF size: 51.70KB for exclusions and limitations.
Allows your client to increase their employee’s cover subject to eligibility criteria without providing further medical evidence when:
Your client can change their plan up to three times in total and must make the change within six months of the event.
Some restrictions apply, but full details about when and how clients can change their policy can be found in our PDF file: Product Profiles PDF size: 961.79 .
We will consider requests to make other changes to your client’s plan as well. If changes are made to the plan, then a new plan may be set up and different terms and conditions could apply.
If your client’s employee leaves their employer, they can convert their RLP to a personal protection policy or move it to a new employer without the need for further medical evidence or underwriting. We will need to be told that the employee has left the business.
Access included as standard
Includes advice and support from experienced registered nurses in the following areas:
Pays out the sum insured if the life insured is diagnosed as being terminally ill, and in the opinion of their hospital consultant and our Medical Officer, the illness is expected to lead to death within 12 months.
We won’t pay out after the death of the life insured or if the policy term at outset is less than two years.
Once the claim has been paid, no further benefits will be payable, and the policy will end.
Adviser support
Your short cut to our useful tools and calculators, literature library, latest webinars and Trust Hub.
Plus, a handy guide to helping you talk to your clients about business protection and details about our underwriting process.
Webinars
Stay up to date with our products and services by signing up for our regular webinars. Expert training support also available through our CII accredited training workshops.
Quote, apply and manage your protection cases in one user-friendly system.
This website is designed to give professional financial advisers information and tools that they can use to help control and develop their business and should not be relied upon by private investors or any other persons.