Four different kinds: you simply select the combination that meets your needs.

Up to six people can be insured on your Lifeplan policy - each with their own cover combination.

Life Protection
Protect the quality of life of your financial dependents, even when you are no longer there to provide. Your spouse, partner or anyone you choose will receive a lump sum when you die.

Living Insurance
Receive a lump sum if you suffer a Major Health Problem or Permanent Disability. Spend it how you like: recovery, recuperative holiday, a house with easier access, private hospital care, whatever you decide is best.

Permanent Disablement Insurance
Like Living Insurance, but restricted to Permanent Disability. With a lump sum to meet your needs, disability doesn't have to lead to financial disaster.

Income Protection
Sickness or injury can cut the hours you can work - or make you unable to work at all. For three months, Lifeplan will completely restore your loss of earnings. After that, Lifeplan will continue to pay 75% of your lost earnings. Employed or self-employed, enjoy the confidence of knowing you can always meet your commitments, even if you can't work.

Set Your Level of Protection

1. Standard Protection
Fix the level of protection and keep it there for as long as you want.

2. Decreasing Protection
Gradually reduce your cover over time ... to match a fall in your financial commitments.

3. Top Up Protection
The option to top up your level of protection to the amount you want, whenever you need.

EVEN MORE OPTIONS

Guaranteed Future Protection

Who will give you life insurance - or increase your cover - if you are in poor health? Lifeplan will, if you have taken out this option from the start. Every 5 years you will be able to increase your level of life protection (or start it).

Protection Benefit Indexation

Your level of protection rises with the consumer price index. Your insurance charges rise to match this.

We Make Your Contributions

When money's tight, you don't want to worry about meeting your Lifeplan payments. With this option we will pay your entire Lifeplan contributions for up to 2 years if you can't work through illness, injury or redundancy. If you become bankrupt, we will pay your Lifeplan insurance charges for up to 3 years.

Sometimes some of these benefits have to be excluded from your policy. If so, the exclusions will be set out in full, in your policy document.