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

Unum Benni

November 2018 Unum: Other


Unum has launched a solution that lets staff pay for a range of benefits alongside existing employer-paid options. Called Benni, it is available either direct or white labelled and provides businesses with a portfolio of employee-paid benefit options that they can make available to their staff. Benni’s support team communicates to employees about the benefit offering, educates them on how it works, and helps them sign up and buy benefits. Benni offers a simple 3-step solution: 1) The employer chooses which benefits they want to offer. There is a portfolio of product options that employers can make available to all…
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Cirencester Friendly My Earnings Protected

November 2018 Cirencester Friendly: IP


Cirencester Friendly has re-launched its My Earnings Insurance income protection (IP) policy with key improvements and a new name. The plan is now called My Earnings Protected and again features guaranteed premiums, day one cover, no loadings for occupation, smoking or hazardous pursuits and can cover up to 65% of earnings. The revised product also features: No State benefits deduction at point of claim. An increased maximum benefit level. Guaranteed insurability options for lifestyle events. A wider choice of deferred periods. Improved relapse benefit. Removal of the initial waiting period. A more relaxed approach to the length of time an…
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Aviva Critical Illness Cover

November 2018 Aviva: CI


Aviva has enhanced its Critical Illness+ and Life Insurance+ with critical illness products, to cover more conditions. The enhancements all apply to the upgraded options on its products and came into effect from 14 October. Upgraded children’s benefit (which is available as part of the critical illness policy), now covers three new conditions: Diabetes mellitus type 1. Brain abscess when undergoing a defined treatment. Less severe third-degree burns meeting defined criteria. Parents of children diagnosed with these conditions will receive a fixed £25,000 payment. Children are now covered from birth up to their 22nd birthday, whether they are in full…
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Saga Health Insurance Introductions

October 2018 Saga: PMI


Saga offers five health insurance plans underwritten by AXA PPP, with each being unique to Saga. They are designed for customers aged 50 or over and called Super (which offers the highest cover, including full outpatient cover and a range of other benefits), Secure, Saver Plus, Saver and Support (the lowest cost plan as it excludes most outpatient except surgical outpatient treatment). Optionally, customers can add extended cancer cover, health cash plan benefits and obtain cover for pre-existing hypertension. Premiums can be cut by agreeing to open referrals, choosing a four week wait option, or choosing one of five excess…
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AIG Life Term Assurance

October 2018 AIG: Term


AIG Life has enhanced its Term Assurance product to help individuals cover their Inheritance Tax (IHT) liabilities. Its new Joint Life Second Death (JLSD) option is a cost-effective alternative to whole of life insurance for couples who plan to gift assets away and so erode their IHT liability. There is also an option which allows customers to carve out a gift inter vivos plan from the existing sum insured, without the need for further health or lifestyle questions, in order to cover the reducing IHT liability on any gifts made over the term of the insurance. AIG has also reduced…
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