View more on these topics

Ageas Protect – Low Start

Ageas Protect – Low Start

Type: Individual critical-illness cover with level term assurance or standalone level term assurance

Minimum premium/cover: No minimum/ £5,000 for term assurance, £10,000 for critical illness cover with term assurance

Maximum cover: No maximum

Conditions covered: Alzheimer’s disease, aorta graft surgery, aplastic anaemia, bacterial meningitis, benign brain tumour, blindness, cancer, cardiomyopathy, coma, coronary artery by-pass grafts, Creutzfeldt-Jakob disease, deafness, encephalitis, heart attack, heart valve replacement or repair, HIV infection, kidney failure, liver failure, loss of hands or feet, loss of independence, loss of speech, lung disease, major organ transplant, mastectomy for ductal carcinoma in situ, motor neurone disease, multiple sclerosis, multiple system atrophy, open heart surgery, paralysis of limbs, Parkinson’s disease, pre-senile dementia, primary pulmonary arterial hypertension, progressive supranuclear palsy, pulmonary artery replacement, stroke, systemic lupus erythematosus, temporary disability, third degree burns, total permanent disability, traumatic head injury

Minimum-maximum ages: 17-59 when cover starts, 69 when cover ends

Minimum term: Three years

Options: Single or joint life, waiver of premium, total permanent disability, total permanent disability with temporary disability, children’s cover automatically included, ability to add or reduce cover, increase or reduce the term, switch to guaranteed level premiums for term assurance

Commission: Subject to negotiation

Tel: 0845 601 0072

Recommended

Greater trust pays off for life planners

Kinder Institute for Life Planning founder George Kinder says a greater level of trust between clients and life planners makes their businesses more profitable than transaction-based firms. Kinder, who chaired the inaugural global life planning conference in London last month, argues clients are more likely to want their life planners to manage all, rather than […]

6

Mutuals and MPs join call for FSCS shake-up

MPs and mutuals have joined advisers’ calls for an urgent review of Financial Services Compensation Scheme funding. Labour MP and Treasury select committee member George Mudie said in a committee evidence session this week it is time to re-evaluate FSCS levies. In November, the FSA postponed a review of the FSCS’s funding model because of […]

Leader

David Pitt-Watson’s research paper comparing UK pensions with other European countries generated plenty of easy headlines last year, painting a picture of a bloated pensions industry intent on ripping off consumers with high charges. Combined with the BBC Panorama programme’s controversial pensions documentary, much of the media was sent into a frenzy, devouring the eye-watering […]

Contrary view on discounts

Unicorn Asset Management says the discount volatility that may deter some investors and advisers from investing in investment trusts is creating good opportunities for its Mastertrust fund of investment trusts. Mastertrust fund manager Peter Walls says people have divided opinions about investment trusts. He says there are some good managers in the sector but some […]

Newsletter

News and expert analysis straight to your inbox

Sign up

Comments

    Leave a comment