Life's wonderful

From the moment we start walking and talking we develop hopes and dreams.

We go to school, maybe university, then boom! - it's welcome to the world of work. We meet and fall in love with our partner. We buy a house together, banish our youthful ways (well, mostly) and settle down. We may have children too - and with them comes a pile of laundry that never seems to get any smaller. But what if life doesn't go to plan?

The truth is we never know what's just around the corner. That's why we offer a range of covers designed to protect you, and those who depend on you, from the financial consequences of illness and death.

Why is it a good idea?

If an accident happens, we pay out.

Although you don't want to wrap yourself in cotton wool - it's never a good look - the fact is accidents can, and do, happen. And the same goes for sudden injuries, especially if you're sporty, or do a job that can be a bit risky.

If you do suffer an injury, you could be out of action for a while, and that could have a knock-on effect. Your finances could suffer too. Loss of earnings, specialist treatment and equipment, the list goes on and the costs mount up. But you can make sure a sudden injury doesn't hit your pocket where it hurts. Introducing Fracture Plus Protection.


How does it work?

We pay out, so an injury won't hurt your pocket.

If you have Life Protection or Critical Illness Protection, you can add on Fracture Plus Protection for a small fixed cost a month. It covers you for a specified range of 18 fractures, 7 ligament tears and tendon ruptures, or a dislocation, over 12 months.

If you do suffer an injury, we pay you a lump sum of up to £6,000. And that means your finances should stay in pretty good health while you concentrate on getting better. Take a look below to see how our Fracture Plus Protection could ease the pain.

What's the big benefit?

Life Protection makes sure your family's big debts don't become your family's biggest burden.

What injuries are covered?

Add Fracture Plus Protection to your policy and we pay you a pre-determined one-off lump sum for the specified injury, as detailed below.

We can’t take away the pain. But we can help make life more bearable.

Muscular Skeleton
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2
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Shoulder £6,000 (dislocation)

Rotator cuff £3,000 (rupture)

1

Bicep £3,000 (rupture)

2

Spine or hip £6,000

(dislocation)

3

Quadricep £4,000 (rupture)

Hamstring £3,000 (ligament tear)

4

Knee £6,000 (dislocation)

Knee £4,000 (ligament tear)

5

Patella £6,000 (dislocation)

6

Achilles £6,000 (rupture)

Ankle £6,000 (dislocation)

Ankle £3,000 (ligament tear)

7

Dislocate any other joints £3,000 (excluding fingers, thumbs and toes)

Skeleton
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4
5
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Skull £6,000 (open fracture)

Skull £4,000 (closed fracture)

1

Cheekbone £1,500

Jaw £3,000

2

Collarbone £1,500

Shoulder blade £3,000

3

Sternum £3,000

Ribs £1,500

Arm £3,000

4
5

Vertebra £3,000

Wrist £3,000

Hand £1,500 (excluding fingers and thumbs)

6
7
8

Pelvis £3,000

Upper leg £6,000

Knee £6,000

Lower leg £4,000

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Ankle £3,000

Foot £3,000 (excluding toes)

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Fracture Plus Protection is just one of the ways we can help protect you and your family from financial uncertainty.

For more details, download our key facts document.

To find out exactly what suits your needs best, speak to a Financial Adviser.