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

Legal & General Income Protection

June 2019 Legal & General: IP

Gold

L&G has updated its income protection (IP) plan. The changes include increased acceptance, more income guarantees and an extended support services, combined with more competitive pricing. The changes include: •             Scrapping the generic exclusion of alcohol and drug abuse. •             Increasing the maximum IP benefit limit by 20% from £200,000 a year (£16,667 a month) to £240,000 a year (£20,000 a month). This applies to employed and self-employed customers taking out a plan on a standard or low-cost basis. •             Raising the limit on increasing IP plans to £168,000 a year (£14,000 a month). •             In 2018 L&G introduced special…
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Aon Well One

June 2019 Aon: Other

Gold

Aon's Well One application is being offered first in parts of Europe and Asia and utilises dacadoo's digital health score platform. Well One offers employees digital one-to-one coaching and the ability to connect virtually with their colleagues to share progress as well as earn recognition to help influence healthy behaviours and increase motivation. Using artificial intelligence driven digital coaching and education, the app means employees can gain the awareness and understanding they need to better manage their lifestyle and future finances. Employees can then compare their personal health achievements to those across their organisation anonymously. In turn. businesses can benchmark…
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Generali Global Travel Protection

June 2019 Generali: Other

Gold

Generali’s new Global Travel Protection plan offers a flexible package, with accidental death benefit, permanent disability benefit and 24/7 multinational global assistance. Cover also includes loss of luggage and personal effects, lost or stolen ID cards or travel documents and personal liability cover. The plan is aimed at o0rganisations with 250+ employees. The plan is designed to be an integral part of a benefits package that will also help employers fulfil their duty of care responsibilities, while also supporting recruitment and retention. The single flat, annual premium also means minimal admin and accounting too Generali says. Comment: This plan offers…
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InsureWithMax Child Max

June 2019 InsureWithMax: Other

Gold

We reviewed this plan in February 2016. Since then two changes have been made: ·         The minimum premium has been cut from £120 to £49.50. Alternatively, customers on a budget can pay an initial payment of £8.25, followed by 11 monthly payments of £3.75 (again totalling £49.50). ·         The policy is now offered by Riverside Underwriting (trading as InsureWithMax.com) and is underwritten by Vibe Syndicate Management Limited on behalf of Syndicate 5678, which trades with the Lloyd’s of London rating of A+. For children aged three and five, a £5,000 a month benefit payable for up to 12 months would…
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Royal London Income Protection

May 2019 Royal London: IP

Gold

Royal London (RL) has introduced a new five year payment option on its existing Income Protection plan. The five year payment period option is aimed at customers who either don’t want or can’t afford a full term payment period, but want cover which is more comprehensive than the shorter payment periods it has offered. The new five year payment period option is in addition to the RL’s current options of one year, two years and full term. Other features of the plan include a range of deferred periods; cover up to 65% of the first £15,000, and up to 55%…
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