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

VitalityLife Personal Protection Plan (Adviser score 6.9)

October 2020 VitalityLife: CI

Gold

VitalityLife has amalgamated its previous Life, Life Essentials and Mortgage Plans into one product, called the Personal Protection Plan. It is available from 3 October 2020. The new plan can include serious illness cover (SIC), term life, whole of life and income protection covers within the plan. Cover and other changes include: The previous SIC Protector option is now called Mortgage SIC. Child SIC is optional, with conditions mirroring the parents’ plan. Cover can be from £15,000 to £100,000 when the plan is taken out and is available as level or decreasing cover. Cover is on the same basis as…
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Zurich Life Protection Platform (Adviser score 7.1)

October 2020 Zurich: CI

Gold

This review is actually of changes made by Zurich that somehow missed our usual update. The Platform was launched in 2018 and included changes across Zurich’s range of protection products: Personal Protection (Life, Life & CI) Income Protection Whole of Life Business Protection (Life, Life & CI) Business Whole of Life Relevant Life. In addition, Zurich also offers Multi-Fracture Cover, which can be added to Personal Protection and Income Protection policies. Focusing on Personal Protection, and the top of the range Life Cover and Critical Illness Select plan, this offers cover for:                 …
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Aviva Life Insurance + with Critical Illness (Adviser score 7.4)

October 2020 Aviva: CI

Gold

Aviva has made changes to its Critical Illness+ and Life Insurance+ with Critical Illness products for new business, in a move which it says will make it easier and quicker for advisers to explain their features to their clients. The changes include merging definitions where the conditions and the criteria for a claim align, presenting the critical illness (CI) definitions in clear, logical groupings and equipping advisers with streamlined materials to aid their protection conversations. The changes include: Merging the traumatic brain injury and brain injury due to anoxia/hypoxia definitions into one single brain injury definition (brain injury due to…
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LV= Enhanced Children’s Cover (Adviser score 8.3)

August 2020 LV=: CI

Gold

LV= has introduced an option to now take out Life and Critical Illness insurance with Enhanced Children’s Cover.  The option includes child specific conditions, payments for pregnancy complications and increased payout levels. These are: Cover for an additional ten child-specific conditions more likely to occur during birth or early infancy, including Type 1 diabetes, cerebral palsy and Down’s syndrome. This brings the total number of conditions to 95 for children. £5,000 payment if the life insured is diagnosed with one of six pregnancy-related complications including stillbirth. Increased children’s payouts - 50% of the parent’s cover, up to an increased maximum…
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Vitality at Work Enterprise (Adviser score 6.8)

August 2020 VitalityLife: Other

Gold

Aimed at organisations with 1,000 plus employees, Vitality’s new at Work Enterprise plan has been launched to help large businesses support the wellbeing of their employees working at home, in offices and on site. The plan includes access to: Vitality Age. This is a measure of whether an employee is ‘older’ or ‘younger’ than their biological age, based on health and lifestyle risk factors. Vitality Healthcheck. 50-81% discounts on healthchecks. 40% gym discount at Virgin and Nuffield Health gyms. Activity tracker discounts. Healthy mid: 30% discount and up to six points a week. Discounts deals and vouchers at a range…
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