Assura Protect Direct

Guaranteed* Term Life & Critical Illness Insurance

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Eligibility

  • Permanent residents of the United Kingdom;
  • Between the ages of 18 and 61 at policy purchase date.
  • Policies can be renewed up to the age of 68.
  • The Critical Illness benefit stops at the renewal age of 61.
  • Children can be added to a family policy (4 Maximum).

Level of Benefits

Option 1
Age Life Cover Benefit Critical Illness Benefit
18-50 £100,000.00 £50,000.00
51-55 £100,00.00 £25,000.00
56-61 £50,000.00 £25,000.00
62-68 £50,000.00 £0
Option 2
Age Life Cover Benefit Critical Illness Benefit
18-50 £50,000.00 £25,000.00
51-55 £50,000.00 £12,500.00
56-61 £25,000.00 £12,500.00
62-68 £25,000.00 £0

What's Covered

Life Cover

  • The Life Cover provides a guaranteed cash sum up to a maximum of £100,000 if you die during the term of cover.
  • Starting at age 56 the maximum life cover available for Option 1 is £50,000 and for Option 2 is £25,000

Critical Illness Cover

  • The Critical Illness provides a guaranteed cash sum up to a maximum of £50,000 in the event that you suffer one of the specified critical illness conditions, for the first time during the policy period.
  • The specified list of critical illness conditions covered under this policy are*:
    • Bacterial Meningitis
    • Cancer
    • Coronary Artery by-pass grafts
    • Heart Attack
    • Kidney Failure
    • Major Organ Transplant
    • Multiple Sclerosis
    • Stroke

* Limitations on Benefits

  • The policy does not cover Pre-Existing Medical Conditions. Any claim that arises out of any medical condition that existed (including treatment, monitoring, referral, consultations or whilst undergoing tests) in the 3-year period prior to the start date of your policy will not be covered.
  • Assura Protect will remove this exclusion and will not apply if you remain symptom free and do not need to seek treatment or medical advice for a continuous period of 24 months.
* All Critical Illnesses have specific definitions and limitations.  Please review policy wording for complete details.

Policy Details

This policy is an annually renewable plan lasting for 12 months from the start date.

The premium level charged at policy inception is guaranteed by Assura not to change for 5 years.

Premiums can be paid lump sum annually or monthly via direct debit.

Please review Full Policy Summary and Documents prior to policy purchase.

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