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Zenith Protection. Jackie Wassall – Regional Key Account Manager. For Intermediary Use only - All information contained in this presentations correct as at 20 th January 2014
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Zenith Protection Jackie Wassall – Regional Key Account Manager For Intermediary Use only - All information contained in this presentations correct as at 20th January 2014 This presentation is issued by Sesame Bankhall Group Limited, a company with registered number 3573352. Bankhall, PMS and Premier Mortgage Service are trading styles of Bankhall PMS Limited and other companies in the Sesame Bankhall Group. Bankhall PMS Limited is a company with registered number 02785381. Sesame Limited is a company with registered number 02844161. Each of the above companies is registered in England and Wales with registered offices at Pixham End, Dorking, Surrey RH4 1QA. Bankhall PMS Limited and Sesame Limited are authorised and regulated by the Financial Conduct Authority.
Agenda • Protection providers who does what • Quote Portal
Zenith Panel • Aviva • Bright Grey • Friends Life • Legal & General • LV= • Zurich
Life only • An agreed sum payable in the event of death of the life assured • Can be level, decreasing or increasing • Can be guaranteed or reviewable premiums • Some providers other facts you might want to consider • Aviva pay £2k immediately upon death towards the funeral expenses • LV= have a member support fund • Aviva offer new parents £10,000 free cover until the child’s first birthday
Critical Illness • Agreed sum payable on a critical illness condition covered by the policy that meets the definitions • Provider with most conditions LV= including 18 ABI+ • Most conditions with widest definitions for most common events Friends Life & Aviva • Definition for Heart Attack – Aviva • Zurich offer standard rates if loading less than 50% • Lifestyle protection – Bright Grey
Critical Illness • Fracture cover available from Friend Life • All Zenith providers include childrens cover • L&G £25k or 50% of sum assured upto age 21
Life & CIC • Integrated cover • Independent cover • Level • Decreasing
Added benefits • Red Arc – Aviva – support in the event of a critical illness, specialist nurse assigned • Best Doctors – Friends Life • Helping Hand – Bright Grey • FirstAssist – LV
Income Protection • Available from all Zenith providers • Definitions • Own occupation • Any occupation • Fracture cover can be added to Friends Life products • Lowest deferred period 4 weeks • LV= Mortgage Guarantee • Zurich offer Essential and Premier products
Family Income Benefit • Pays either a lump sum or annual benefit on death of life assured
Menu products • Available to some degree from all Zenith providers • Benefit plan fee discounts • Ability to vary cover to work within a budget • Quotes only available on providers websites
Other useful information • Aviva produce a family finance report – gives example of typical family situations and solutions • Bright Grey Magic Circle • L&G Early Warning System • Aviva ‘What If’ helpline