How does Terminal illness cover work?

How does Terminal illness cover work? At Future Proof, we arrange life insurance policies that include the benefit of Terminal Illness Cover. The benefit is designed to pay out a lump sum when the policyholder dies or is diagnosed with a terminal illness (where life expectancy is less than 12 months), during the term of…

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Red ribbon

Can I get Insured with HIV? Will my Insurance cover HIV?

Can I get Insured with HIV? Will my Insurance cover HIV? After diagnosis, some people believe their life insurance has become invalid, as many individuals living with HIV do not believe they can be covered by a Life Insurance policy. However, this is not the case. People with HIV can be covered by Life Insurance….

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Do Life Insurance policies payout?

Do Life Insurance policies payout? Our annual review call highlighted that our customer could claim on his Critical Illness policy and resulted in a £119,251 payout In our client’s words – “I was expecting possibly £1,000 but not over £119,000 – that is a life-changing amount of money which we will use to change our…

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What is Terminal Illness Insurance?

What is Terminal Illness Insurance? Most life insurance policies (commonly used to protect people’s mortgages or families) include a benefit known as terminal illness cover. This means that the policy will pay out the sum assured should the policyholder be diagnosed with a terminal illness as defined by the insurance company. Insurers define a terminal…

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AIG staff discount

AIG staff and family – special offer – Discounted life, critical illness and income protection insurance

AIG staff and family – special offer – Discounted life, critical illness and income protection insurance Future Proof is pleased to offer the staff and family of AIG an exclusive 10% discount. We have handy guides on ‘What cover is right for me‘ to get you started. If you would like to discuss arranging a Life…

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Guaranteed acceptance over 50’s plans

Guaranteed acceptance over 50’s Plan A guaranteed over 50 plan is a whole of life insurance plan that pays out a cash sum when you die Acceptance is guaranteed with no medicals or health questionnaires to complete; quite simply you will be covered regardless of any health issues you may have, as long as you…

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Just one in five new parents have life cover

Just one in five new parents have life cover First-time UK parents spend more than £469 million each year preparing for the arrival of their first baby, but new research has found that just one in five have life cover. An Aviva study * of 2,000 recent parents found parents across the UK spent over £469 million…

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Family income benefit can help pay the school fees

Family income benefit can help pay the school fees Deciding to educate your child or children privately is, for most families, a huge financial decision. Day prep school fees can range from £10,000 to £20,000 per year or more in London, and day fees for senior schools ranging from £12,000 to £25,000 per annum.* Best schools Oct…

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What is Level term life insurance?

What is Level term life insurance? ‘Level term’ means that the sum assured ( the amount you choose to insure) and the monthly premium will remain the same throughout the term of the policy. When arranging a policy it is important to consider how long you want the policy to run for as well as…

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What is Level term life insurance?

What is Level term life insurance? ‘Level term’ means that the sum assured ( the amount you choose to insure) and the monthly premium will remain the same throughout the term of the policy. When arranging a policy it is important to consider how long you want the policy to run for as well as…

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