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Family Protection

Caring for loved ones is not just about thinking about what is happening today. It is also, or maybe above all, thinking about tomorrow. It’s also taking into consideration the situation when you won’t be there to help. Nobody likes to imagine such events, but we all know that they can happen. It is precisely for this situation we can prepare for because the primary goal of the life insurance policy is to protect your loved ones.

-- Protection for you -- Serious Illness Cover

The only plan in the UK that cover over 170 medical conditions from 14 areas and human health systems. The policy pays compensation in the early stages of development of the medical condition, supporting the chance of a faster recovery.

-- Protection for your child -- Children Serious Illness Cover

Every parent wants everything that is best for their child... The best toys, the best school, the best teacher, the best class.</p> <p>Thinking about parents, we have prepared the best insurance for your child on the UK market.</p> <p>Optional Children Serious Illness Cover - simply the best!

-- Protection for Family -- Life Cover

Depending on the term to protect, we divide plans into Whole of Life plans and Limited Term plans. Both have their advantages and particular purpose, so the choice is yours - we will advise the right one. We make sure that it will be written into the Trust, as this is the fastest way for payout to your loved ones without waiting to the probate.

Additional Protection – Family Benefit

Preparing for the arrival of a new family member can be a very busy time, and reviewing protection may be at the bottom of a client’s to-do list. However, VitalityLife Family Benefit gives peace of mind that mother and child are automatically covered against some of the most significant conditions and complications associated with pregnancy.

COMPLICATIONS OF PREGNANCY

  • Disseminated intravascular coagulation (DIC)
  • Ectopic pregnancy
  • Hydatidiform mole
  • Placental abruption
  • Eclampsia (excl. pre-eclampsia.)
  • Still birth
  • Foetal death in utero

SPECIFIED CONGENITAL CONDITIONS

  • Cystic fibrosis
  • Spina bifida
  • Cerebral palsy
  • Surgical treatment of craniosynostosis
  • Osteogenesis imperfecta
  • Down’s syndrome
  • Edward’s syndrome
  • Patau syndrome

FUNERAL CONTRIBUTION

Contribution to child’s funeral

THINGS YOU NEED TO KNOW

  • VitalityLife will pay £5,000 per condition, up to a maximum of £20,000 across all plans. This means claims can be made for multiple conditions and/or multiple children
  • Family Benefit is automatically included on Essential, VitalityLife and Mortgage Plus Plans with Serious Illness Cover
  • Mother and child are included, even if they are not named on the policy
  • The main Plan Account is unaffected if a claim is paid on Family Benefit
  • No claims can be made for complications of pregnancy or specified congenital conditions until the Serious Illness Cover benefit has been in force for at least nine months.
AskExpert

Ask the Expert

The family is everything to us. To provide the best protection, let our advisers demonstrate their knowledge and expertise in providing bespoke advice. They will adjust insurance to the individual needs of your loved ones. We also offer a free revision of current protections, from which you will receive a report highlighting the good and weaknesses of the current arrangements. Contact us today.