Impartial reviews on the latest products and how they can impact consumers.

National Friendly Accident Only Income Protection (Protection Review: Bronze, Adviser score 4.7)

June 2021 National Friendly: IP


National Friendly has launched a budget long term income protection plan that only pays out if the customer is unable to work due to an accident. Key features include: The main benefit can be set between £500 and £6,000 a month, up to a maximum of 70% of earnings. To claim, the customer must be medically certified as unable to carry out the main duties of their occupation. They also need to be receiving medical care during their claim and not be working in any other occupation. Customers must usually be working at least 16 hours a week (but see…
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William Russell International Life Policy (Protection Review rating: Gold, Adviser rating 6)

June 2021 William Russell: Term


William Russell has offered its International Life Insurance policy for expats and their families, around the world since 1992. Since we reviewed the plan in 2018, some changes have been made, so this update covers the plan as it is today (June 2021). The plan pays out up to US$2m should the customer die or be diagnosed with a terminal illness with a prognosis of less than 12 months. The life plans are international, and cover life, work and travel abroad. Optional accident benefit is also available. The application form can be completed digitally and there is often no need…
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UnitedHealthcare Global BeHealthy (Protection Review rating: Gold, Adviser score 9)

June 2021 UnitedHealthcare: iPMI


UnitedHealthcare Global has launched a range of expat insurance plans into the Netherlands to give local businesses access to internationally recognised health, wellness, assistance and security programmes. The provider has a Central Bank of Ireland license to conduct business across European Economic Area (EEA) countries on a freedom of services basis. The Netherlands was chosen as the next market for European expansion, to support the high number of globally mobile families based in the Netherlands, and will also give the large number of Dutch employees being sent on assignments abroad access to comprehensive health and wellbeing coverage. BeHealthy expatriate insurance…
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L&G Care Concierge (Protection Review rating: Gold, Adviser score 7.3)

March 2021 Legal & General: Other


A Care Concierge service has been launched by Legal & General to educate employees about care procedures and help them find an appropriate care package for family members who may need later life support, such as a residential or nursing home, or funding and advice. As part of the new service, a dedicated online hub has been set up to help users navigate their way through the care journey and provide advice around a number of key issues, including housing, means testing, care provision and funding. Delivered by L&G's Health & Care team, the Care Concierge service is available to…
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Zurich Pre-app underwriting tool (Protection Review rating: Platinum, Adviser score 8.6)

March 2021 Zurich: Apps & Technology


Zurich Life has introduced a new pre-app underwriting tool to give advisers greater certainty regarding life underwriting decisions. The new tool: Is designed to cover 90% of all pre-app enquiries Zurich previously received by phone. Allows advisers to gain an indicative decision without needing to call a pre-app line, so saving time and speeding up the application process. Is fully integrated with Zurich’s underwriting rules engine, meaning decisions are accurate and always up-to-date. Generates decisions on a range of products and benefits, not just the ones selected, so helping to provide more protection options for clients. Each pre-app case is…
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