Policy Benefits Explained


Protected Lifestyle offers a choice of protection benefits to suit your individual circumstances, giving you peace of mind that your family or your business will have added financial security in the event of an accident, serious illness or death.

Protected Lifestyle has been designed to allow you to have the most flexible contract possible, you can choose from a comprehensive range of benefits according to your own individual protection requirements.

The optional protection benefits we offer are:

Primary life cover - lifetime protection - We will pay a cash lump sum to your family in the event of your death.

Additional life cover - term protection - This means you have the extra protection needed to cover any periods that you have a loan or mortgage. You only pay for the coverage as and when you need it.

Terminal Illness Benefit - Unique to the Protected Lifestyle contract is that, we automatically include Terminal Illness Benefit. If you are diagnosed with any Terminal Illness that will lead to death within one year, we will pay the amount of your chosen primary life cover and additional life cover.

Accidental Death Benefit - We will double the amount of total cover in force if death occurs as a result of an accident.

Temporary Accidental Death Benefit - Once we have received your application and your first premium payment at either of our offices we provide temporary Accidental Death coverage.

Waiver of Premium - Ensures your cover will continue if you have been unable to work in your full-time occupation for longer than six months, as we will automatically pay your premiums.

Critical Illness cover - If you select Critical Illness cover as part of your Protected Lifestyle contract we will provide you with a cash lump sum following diagnosis of any of the 12 core conditions.

Total and Permanent Disability - Our lifetime accelerated Critical Illness benefit also covers you in the event that you become totally and permanently disabled as the result of an accident or illness.

Protection for your Children - As an added benefit when you choose Critical Illness cover, we will also cover up to three of your children against critical illness. We include this benefit at no extra cost and it will not affect your own level of cover.

The core conditions covered by the Protected Lifestyle contract are:

  • Aorta graft surgery
  • Cancer
  • Coronary artery by-pass grafts
  • Heart attack
  • Heart valve replacement or repair
  • Kidney failure
  • Major organ transplant
  • Multiple sclerosis
  • Paralysis of limbs
  • Stroke
  • Third degree burns
  • Total and permanent disability