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Life made easier

Recommending life cover becomes simpler when you have a policy that covers all key options, adapts to circumstances, and is future-proof.


LifePlan is as flexible as life itself: one-stop cover that can blend whole of life and term with critical illness, while carrying some valuable and relevant extras too. It’s also a living plan, arranged to take account of changing conditions. So once your clients are covered they can forget about their personal insurance needs, and concentrate on living.


Here are some of the main benefits you can mention to persuade suitable clients to invest in LifePlan. Truly, a life cover less ordinary.


Flexible structure

Protection for the short and long-term

You can arrange term cover alongside whole of life for a specified period. This way, your clients can have additional cover during the anticipated term of a mortgage or loan, and still have a healthy lump sum for the family on death. And, of course, the combined premium can be significantly cheaper than a traditional whole of life, with premiums paid for life.


Critical extra benefits, including critical illness cover

With just one premium, your clients can also benefit from critical illness cover and a host of valuable extra benefits too. This includes cover they could be glad to have in an emergency, but probably wouldn’t arrange separately.


Vanishing premium term

Tell your clients they’ll receive their whole of life benefit, without having to pay premiums for the whole of their life. They choose the premium term, stop paying at their chosen age, and still have a fully funded policy in place – even if they live to 100 (or beyond).


Future proofing

Automatic benefit indexation

You can set up LifePlan to offset the effects of future inflation – maintaining real protection levels.


Family-friendly flexibility with guaranteed insurability option

If your clients’ circumstances change in the future – with a marriage or a new child – they may be able to increase their cover without medical underwriting, with our guaranteed insurability option.


Second generation family protection included

When your clients take out adult LifePlan policies with critical illness cover, we can automatically cover up to three of their children to a maximum of USD 15,000 at no extra cost.


Simplicity

Credit cards welcome – with no surcharge

Clients often prefer to pay their premiums by credit card, but understandably don’t want to pay extra credit card fees. With LifePlan, that’s no problem – we welcome card payment, and we don’t add a penny in costs.


Free and simple switching

We don’t charge to change funds, so your clients can switch between sectors and themes as frequently as they decide. And they won’t pay any initial charges from the fund manager, either. This can even be done online.