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

L&G Care Concierge (Protection Review rating: Gold, Adviser score 7.3)

March 2021 Legal & General: Other

Gold

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

Platinum

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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MetLife MultiProtect (Protection Review rating: Silver, Adviser score 7.6)

March 2021 MetLife: Other

Silver

MetLife’s  revised MultiProtect plan is a multi-benefit policy with premiums starting at £8 and going up to £40 a month. Its Core Cover element pays out: Up to £3,750 for broken bones (on a severity scale). Accidental death benefit up to £200,000. Total permanent disability cover up to £250,000. Accidental permanent injury benefit up to £250,000. Up to £250 a night for each 24 hour period spent in hospital (max 90 days). This benefit kicks in once the policy has been held for 12 months. Funeral benefit of up to £10,000 on death by natural causes after the policy has…
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Holloway Friendly one2protect (Protection Review rating: Gold, Adviser score 5.5)

March 2021 Holloway Friendly: IP

Gold

Holloway Friendly has launched a new income protection product aimed at low-risk occupations, as part of a strategy to diversify its product portfolio. Actually, it replaces an old product of the same name but think if it as a new BMW 3 series with new engine options. One2protect is aimed at employees in occupational classes 1 and 2, including office workers, estate agents, accountants, solicitors and beauticians, among others, and includes six variants to facilitate tailored solutions for individual client needs. The revised plan offers both ‘Level' and ‘Age Costed' options, and benefit payout periods of one year, two years…
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Royal London Underwrite Later (Protection Review rating: Platinum, Adviser score 8.4)

February 2021 Royal London: Other

Platinum

Royal London’s new Underwrite Later option allows business protection cases to start straight away, while the insurer then goes about deciding what medical information it needs, gets it and then underwrites fully. The option is available on the insurer’s Business Menu and Relevant Life Plans but only applies to life cover. The insurer estimates it can almost double the number of business applications that can start immediately, from 49% to 93%. For comparison, the figure for personal protection application is that around 80% go straight through. Moreover, there are no automatic exclusions such as pre-existing conditions, travel and hazardous pursuits,…
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