Premium Step.

Premium Optimiser is one of our Whole of Life Cover products. The cover offered is the same as with our traditional Whole of Life Cover products, but comes with an upfront discount of up to 50% on premiums. Premiums will then increase by a fixed amount of 2.5% each year.

Which of your clients will benefit?

For cost reasons, many clients take out Term Cover as opposed to Whole of Life Cover, which is a less comprehensive solution and may not be right for their circumstances.

The upfront discount of up to 50% on Whole of Life Cover with Premium Optimiser plans brings the monthly premium closer to Term Cover, making advising and selling Whole of Life Cover easier. As the cover lasts for the rest of your clients’ lives, you can be sure that they’ll receive a lump sum to leave behind to their loved ones.

Why recommend Premium Optimiser?

Premium Optimiser is a solution for your clients if:
• They want cover that’s guaranteed to pay out on death, whenever that is
• They're looking for upfront affordability on their Whole of Life premiums
• They want certainty about their future premiums increases

Premium Optimiser with Wellness Optimiser:
• An upfront premium discount of up to 80% depending on age
• The ability to control their future premiums by engaging in their health

Compare the cost on our Term and Whole of Life Plans with our premium comparison tool