Large sums assured
Usually required for key man or
inheritance tax cover, these larger amounts are normally over £2 million and
can pose special problems requiring special
Rather than adopting a "one size fits all" solution, Protect
Direct offers a personal service to
tailor the most appropriate product to your requirements.
The process and the pitfalls
A high level of cover for a single applicant requires the life
office to obtain Re-Assurance terms in order to spread their
exposure to risk. If you endeavour to obtain “best terms” by using
you can in fact
prejudice your own case as simultaneous applications
can be taken into account by underwriters.
These cases are therefore considered non-standard, or
impaired risk, due to the financial
underwriting expertise required and the varying levels of
Re-Assurance used by different Insurance Companies.
The Protect Direct Difference
However, the basic aim of financial underwriting is not to
restrict the amount of key man or inheritance tax cover you
require, but merely to ensure, as far as
possible, that the sum assured matches your status and insurable interest - depending on the reason
for the cover.
In recognition of this fact
our one application
- multiple provider approach is designed to marry the
expectations of high net worth individual and corporate buyers to
the most flexible
products solutions at the very best terms.
The next step
Protect Direct Online offers a truly
personal service and we won't ask you to complete any forms until
we have discussed your individual requirements and you have decided to proceed.
So, simply complete the form on the
right of this page, provide us with your name and phone number and we'll call you
back at your convenience - at our cost.
Alternatively, email us at
firstname.lastname@example.org, or telephone us direct on 0800
587 7043 between 9.00am - 9.00pm, Monday to Friday.
(NB. Protect Direct Online is a trading