We are continuing our focus on the areas that matter – to help you deliver winning strategies. In 2009 we launched LifeXpress – a highly regarded quotation and electronic application system, as well as a raft of price improvements for Death and Total and Permanent Disablement cover. In 2010 our main focus is on better helping you meet the needs of your business and personal clients with features and benefits that really matter.
New plays for 2010
TPD Cover
higher levels of cover for business people
a new Living activities TPD option for those unable to obtain full TPD cover, or business people looking for alternative business insurance options.
These are in addition to the 25 per cent earnings definition we added in 2009 as an additional way to qualify.
Trauma Cover
a new Double trauma option which provides reinstatement of death cover with a waiver of premium
more conditions are included in the list of partial payments
totally revamped insured child option – which can convert to adult cover
and we’ve introduced a new ‘future-proofing’ clause which allows for updated medical tests as they are introduces.
Income replacement and Business expenses
There are substantial improvements to our income products in 2010, including:
the addition of a '10 hours' tier, making it easier to qualify for income benefits
a new to age 70 benefit period for professionals who are working longer, and
extra insurable benefits for locums and interest on business loans.
Your Business clients – improved features and benefits
a more flexible disablement definition for income replacement cover
benefits are now available through to age 70
improved benefits for locums
levels of cover for HIV and Hepatitis are now greater
recent graduates can now take up greater agreed value income benefits.
Those who can only obtain indemnity cover, such as new business owners, can now upgrade to agreed value more easily.
Your personal clients – more options and flexibility for families
Insured child option – which has been totally revamped
new Double trauma option
broader list of partial trauma conditions
new 'future proofing- definition also allows for new diagnostic techniques as they are introduced.
On stepped and level premiums we have made it better for clients keen to mix and match benefits to suit their requirements.
