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

PruProtect Serious Illness Cover plan

November 2010 PruProtect: CI

Gold
Poll Results

PruProtect announced the latest evolution of its Serious Illness Cover plan on 21 October. The main changes are adding eight new conditions, seven of which are unique in the UK market. They are: • Lumpectomy for ductal carcinoma in situ of the breast (DCIS). • Carcinoma in situ of the oesophagus—requiring surgery. • Severe inflammatory Crohn’s disease. • Encephalitis. • Craniotomy. • Guillain-Barré syndrome. • Spinal tumours. • Pemphigus vulgaris. PruProtect says that it now covers over 100 conditions with its Primary Cover and 161 conditions under its Comprehensive Cover version. Seventeen of its definitions also now exceed the ABI…
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Canada Life Group Critical Illness

November 2010 Canada Life: GCI

Gold

Canada Life, the UK market leader for group life, has updated its existing group critical illness (CI) policy. Quotes are available now and scheme renewals change from 1 January 2011. The main changes are: • Partnerships with RED ARC and Best Doctors from 1 January. These will provide enhanced individual support for employees and their families. RED ARC’s service includes unlimited access to a personal nurse adviser, who can also arrange further help if needed. That can include a home visit from a specialist nurse, a course of therapy or a programme of counselling. Best Doctors’ service provides medical second…
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Zurich Level Protection—Convertible and Renewable Term options

October 2010 Zurich: Term

Silver

Zurich has added renewable term and convertible term options to its guaranteed rate Level Protection Plan. The two new options are: • Convertible Term. An additional cost option available if the plan has life cover only, this option allows the life assured to convert some or all of the life cover into a new whole of life plan, which then provides lifetime protection on a guaranteed payment basis and also pays on diagnosis of terminal illness). If the plan is joint life,  the new plan can be either first (to give maximum protection and earliest payout) or second death (for…
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Royal London 360º LifePlan

October 2010 Royal London: WL

Silver

Royal London 360º has added two new benefits to its whole of life international protection plan. Term benefits are now available up to age 80, up from the previous limit of 65. Long-term care is also now a standard feature and will be added to all existing policies, increasing the level of cover at no extra cost. Under this benefit, if the customer needs day to day care on a  long term basis they can claim the critical illness lump sum to help pay for their long term care costs. The plan pays up to $7.5m (or other currency equivalent)…
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Engage Mutual Health Cash Plan

October 2010 Engage Mutual: HCP

Bronze

Harrogate based Engage Mutual, part of Homeowners Friendly, has streamlined its health cash plan to offer three levels of cover and a range of benefits. Cover is European Community wide, as long as the customer is travelling for business or pleasure up to 28 days a year. There is a 24 months initial period before the life assurance benefit comes into effect. Children get limited dental and optical benefits only. They get up to £50 a year for each of dental and optical costs, with the pot split between all eligible children. The full benefits are: Benefit Cash back amount…
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