Multi-benefit protection from Scottish Provident.
You do the maths.
In an ideal world clients would be able to afford as much protection as they wanted. But few would describe current times as anything like ideal.
This doesn’t mean however that they have to make either/or decisions that can lead to them missing out on essential protection.
Multi-benefit protection from Scottish Provident – could add up to the right solution for your client.
1. Flexible protection
With a Scottish Provident Self Assurance menu plan, your clients can mix and match their cover to suit their needs and budget. View our sales aids for more information on this valuable protection.
Self Assurance also allows your client to decide how they would like their benefit paid out. By mixing and matching their cover with a lump sum and regular income, your clients can achieve real benefits – and save money on their monthly premiums.
2. Extra benefits at no extra cost
When your client chooses a plan that includes income protection and critical illness cover (of at least £25,000) they will receive children’s income benefit and immediate cash benefit at no extra cost. And what’s more with any critical illness benefit your client will automatically receive children’s critical illness benefit – at no extra cost. View our sales aids for more information on these extra benefits.
3. Savings on policy fees
When your client takes more than one benefit on the same plan, they will pay only a single policy fee. The example below shows a saving of more than £6 a month*.
*Based on female, non-smoker, 40 next birthday, 20-year term. Life cover £150k - level lump sum. Critical illness cover - £150k level lump sum, own occupation TPD. Income protection - £18k p.a., 26 wk deferred period. Waiver - 26 weeks. If all three benefits were taken individually monthly premium would be £118.43. If all three benefits were taken on the one plan, monthly premium would be £112.34, saving £6.09. Please remember the actual premium depends on individual circumstances.
For further information on multi-benefit protection from Scottish Provident talk to your sales consultant today.