Personal Protection
Mortgage Serious Illness Cover.
Why Mortgage Serious Illness Cover?
Whether your client is buying their first house, a new home or looking to re-mortgage, now is the ideal time for them to consider their protection needs.The good news is, our Mortgage Serious Illness Cover offering has been designed to suit the needs of mortgage holders while uniquely encouraging and rewarding your clients for making healthy lifestyle choices.
Key Reasons to Recommend Mortgage Serious Illness Cover
We take a unique approach to insurance, by being the only provider to integrate wellness and insurance with our Vitality programme.
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More likely to receive a payout
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As well as full payouts for the widest range of conditions in the market, Mortgage Serious Illness Cover also covers a range of conditions not typically covered by critical illness plan. This means your client has access to comprehensive cover that pays out when they need it most.
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Your client has the ability to claim more than once on the same plan
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If your client suffers a less severe condition, and their plan doesn’t pay out in full, your clients cover would remain in place. This means that following a less severe claim, your client can have confidence that their mortgage is fully protected.
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Cover for later life conditions
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With life expectancy and the cost of care on the rise, more people may find themselves exposed to unexpected costs in later life. Selecting one of our unique later life options means your client can continue their cover after their Serious Illness Cover term ends to provide support for the potential financial impact of later life conditions such as Alzheimer’s, dementia and Parkinson’s.
How Mortgage Serious Illness Cover works.
If your client was to suffer a serious illness, Mortgage Serious Illness Cover helps them pay off some - or all - of their mortgage earlier.Our market-leading cover includes 153 conditions, 81 of which are covered at 100%, that's more conditions covered in full than any other critical illness plan¹.
Mortgage Serious Illness Cover also covers 72 additional conditions that pay out based on the impact that a condition is expected to have on your client’s lifestyle. This could mean they receive a payout at an earlier stage than they would with another insurer, whilst keeping their remaining cover intact.
Payouts of less than 100% won’t affect your client’s remaining cover, giving them peace of mind that they’ll have access to the full cover amount if they need to make a further claim. Should they need it, Mortgage Serious Illness Cover can pay out up to three times their original cover amount.
Mortgage Serious Illness Cover Toolkit.
In this toolkit, you can easily access everything you’ll need to talk to your clients about Mortgage Serious Illness Cover. We’ve highlighted the most popular resources in yellow, and you can find a list of the others below. You'll find other toolkits throughout our website.
VitalityLife Adviser Checklist sales aid
Optimiser overview
Why VitalityLife sales aid
E-Template
Conditions Covered Sales Aid
Added extras to the Personal Protection Plan.
Mortgage Free Cover
Buying a house can be a lengthy process. Should anything happen to your client between when they legally commit to buying a house and when their plan starts, we’ll ensure they’re protected.
Guaranteed Insurability Options
Allows your client to increase their cover or extend the term, on up to three occasions, without having to give us more information about their health. A welcome helping hand, should they need to apply for a new or increased mortgage. If they increase their cover, their premiums will be affected.Optimiser.
The Platinum rate gives clients access to our most preferential rate, on the assumption that they will make positive health choices. If they do then engage with the Vitality Programme, they can also achieve Platinum Vitality status, which will allow them to enjoy the biggest discounts with our reward partners.
Vitality Programme
- Understand their health
- Improve their health
- Get rewarded for engaging in healthy habits
Where to next?
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Income Protection
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Our 5-star rated Income Protection Cover offers your clients a tax-free monthly income payment if they are unable to work because of illness, injury or disability.
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Life Cover
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Discover some of the best features of our Defaqto 5-star rated Life Cover.
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Personal Protection
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With our Personal Protection, we offer your clients the best cover to suit their needs, such as our award-winning Serious Illness Cover.
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Serious Illness Cover
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Our award-winning Serious Illness Cover.
2. Defaqto, November 2019