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Prudential – PruProtect Essentials Plan

Prudential – PruProtect Essentials Plan

Type: Online menu-based individual protection plan comprising core level, decreasing or index-linked life cover and serious illness cover, with optional income protection, disability cover and unemployment cover

Minimum-maximum ages: 16-75

SERIOUS ILLNESS COVER

Minimum premium/cover: £8 a month/£10,000

Minimum term: Five years

Maximum cover: Initial £500,000,  £1m in special circumstances

Conditions covered: Primary serious illness cover – nine cancer-related conditions, 13 heart and artery conditions, 23 stroke and nervous system conditions, six gastrointestinal conditions, seven connective tissue disease conditions, seven urogenital tract and kidney conditions, seven respiratory disease conditions to age 70, accidental HIV benefit, eight musculoskeletal trauma conditions, four eye conditions to age 70, two ear conditions to age 70, major organ transplant, five conditions of permanent disability; additional conditions with comprehensive serious illness cover – two cancer-related conditions, 16 heart and artery conditions, seven stroke and nervous system conditions, one gastrointestinal condition

Options: Single or joint life, whole of life or fixed term, guaranteed or reviewable premiums, serious illness cover for children, disability cover, waiver of premium on incapacity, waiver of premium on serious illness, waiver of premium on death available on joint life plans but not on life cover only, minimum protected account, protected life cover, upgrade to PruProtect plan

LIFE COVER

Minimum sum assured/minimum premium: £10,000/£8 a month

Minimum-maximum term: Five years

Options: Single or joint life, whole of life or fixed term, guaranteed or reviewable premiums, waiver of premium on incapacity, waiver of premium on serious illness, waiver of premium on death available on joint life plans but not on life cover only, upgrade to PruProtect plan

Commission: Subject to negotiation with enhancement of up to 15% through Vitality programme

Contact: www.pruprotect.co.uk/adviser/

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