Our focus is on providing the best possible cover for the most common illnesses. We aim to make our definitions clearer and more all-encompassing than the rest of the market. And, in many cases, the word of a UK Consultant is all we need to pay out.

We believe existing customers should be treated as well as new ones. Our cover upgrade promise is our promise to policyholders that if we improve our critical illness definitions for new policyholders after their cover has started, we’ll give those improved definitions to them as an existing policyholder.

This means they can claim on any of the definitions listed in their policy terms and conditions, or any improved definitions we subsequently add.

With our dual life approach, each person has their own individual cover. And because they both have their own cover, in the event of a claim the survivor will still have their own cover in force which means there could be 2 payouts.

If we offer your clients an own occupation definition of total permanent disability, we cover them while they’re working, regardless of their age. For retired or unemployed clients, we use activities of daily living or mental incapacity instead.

Premium Waiver comes as standard regardless of age, occupation or activities. So if we offer someone cover, they automatically get waiver. And we not only waive premiums if they’re too ill to work, we also waive them for up to 6 months for maternity/paternity leave or if they involuntarily lose their job.

Rather than including Children’s Critical Illness Protection as standard, we made it an optional extra. This means it’s readily available for those who have children, but premiums are kept to a minimum for those who don’t.

You can choose any amount between £10,000 and £100,000 but the amount is limited to the parent’s cover amount. What’s more, it can be added or removed at any time in the future.

We offer most policyholders the chance to add to their cover with no underwriting, no medical evidence, no application form and no age limit.

Policyholders who have the guaranteed increase option on their policy can add to their cover with no underwriting, no medical evidence, no application form, and no age limit. See policy terms and conditions for more details.

If your clients’ cover can’t start right away, we may put Immediate Cover in place for them. This is temporary cover, of the same type you’ve applied for, and it starts as soon as you submit the application online to make sure there are no gaps in your clients’ protection.

We may be able to reduce a client’s premium if they were paying an increased amount due to their health or lifestyle and they subsequently:

• Stop smoking
• Lose weight for a sustained period
• Change job
• Give up sports activities

Our anniversary emails remind clients of the benefits of their policy, including the additional benefits they can use anytime. It also prompts them to speak to their Financial Adviser if their circumstances have changed. You can view a copy of the emails your clients will receive each policy anniversary below, depending on if they have level or increasing cover.