Lower protection premiums for the first year, potential to keep premiums lower in future years, opportunity to earn rewards and cashback and more conditions covered than any other insurer. It’s how we’re creating a new generation of protection for your clients.
How our products work:
Choose your plan
We offer two different plans to suit different needs. Our Essentials Plan gives you all the basics, while our PruProtect Plan gives you some extra features.
A comparison of our PruProtect Plan and Essentials Plan
|PruProtect Plan||Essentials Plan|
|Vitality – our healthy living programme|
|Opportunity to receive premium discounts each year based on your Vitality status|
|Automatic Serious Illness Cover for Children|
|Guaranteed Insurability options for Life Cover, Serious Illness Cover, Disability Cover and Optional Serious Illness Cover for Children|
|Guaranteed Insurability options for Income Protection|
|Immediate Cover Benefit|
|Free cover whilst you wait for your mortgage to be accepted|
|Mortgage interest rate for decreasing plans||10%||7%|
You can also choose to add Vitality Optimiser or Vitality Plus to your plan if your monthly protection premium is over £20 for a plan covering one person or £30 for a plan covering two people.
Optimise your plan
Vitality Optimiser changes the way your protection premiums work and means you get more benefits from Vitality.
Select from our three core covers
Within your plan, you can select any number of core protection products to suit your needs. You choose whether you want to have one, or a combination of our core covers.
Tailor your cover to suit you
Along with our core covers, we also offer a range of additional covers for more tailored protection.
Customise your protection
Our additional options can be added to your selected covers to customise the way each product works.
Get more with our Vitality programme
All our plans come with Vitality, our healthy living programme. Vitality helps you to live life well and save you money at the same time. When you use Vitality to get healthy, we give you money off your premiums. You could even earn rewards too.