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

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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Bupa Heartbeat Health care select 3 Plus

October 2010 Bupa: PMI

Silver

Bupa has introduced a number of changes to its Heartbeat PMI plans and launched a new version (Select 3 Plus), which sits between its existing levels 2 and 3, offering flexible pricing and underwriting. The new plan covers: • All in-patient and day-patient charges, including radio/chemotherapy and diagnostic tests in a Bupa Heartbeat (network) hospital. • Up to £1,000 a year for out-patient consultations, diagnostic tests, scans, and physiotherapy (and other therapies) combined. Radio/chemotherapy is also covered as an out-patient. • Private ambulance up to £60 per trip is included, as is parent accommodation with child under age 12. •…
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Pulse Insurance Harbour

September 2010 Pulse: Menu | Term

Bronze

Pulse specialises in ‘helping people that have been turned down by other insurance providers’. This policy, which is underwritten at Lloyd’s, is a ten year term assurance policy and is available to UK citizens. The plan is targeted at people with HIV and offers up to £200,000 of accidental death cover (other options are £10K, £50K, £100K and £150K) and either £10,000 or £25,000 of life cover. Pulse says that, crucially, it does not require a doctor’s report or for the applicant to undergo a medical examination and adds that there are currently around 83,000 people living with HIV in…
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