• Employer-financed product designed for corporate clients
• Protects the business against financial loss
• Key-man cover
• Addition to employee benefits portfolio
• Safeguards the most valuable assets of the company ‘it’s employees’
• Compensation regardless of legal liability
• Accidental bodily injury does not pre-suppose an accident
• Cover for bodily injury following an accident that is:
  
          a. unintentional
          b. unexpected 
   

Varied:

a. operative times
b. payment & deferment periods
c. range of occupations
d. scale of cover ‘Standard’ or ‘Continental’
e. benefit levels per category of Insured Persons
f. sum insured ‘multiple of salary or fixed’

Option to include:

a. sickness Insurance
b. travel Insurance

Key features

• One of widest wordings in the market
• Special extensions as standard
• Minimal policy exclusions
• Loss of speech/hearing as standard
• Weekly benefit in addition to capital benefits
• PTD ‘usual in the business’
• Age limit up to 80 years (65 sickness)
• Flexible declaration basis
• No ‘Disturbed Area’ warranty or exclusion
  

 What we need to know (6kb)

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