High Net Worth
We know it’s important that you get it right first time for your High-Net-Worth (HNW) clients. That’s why our HNW products combine excellent service with the high levels of cover you’re looking for.
We can offer cover up to £65m Level Term, £52m Whole of Life and £5m Critical Illness (business cover) or £3m (personal cover). Your case* will be assigned to our premier service team. The team comprises six expert financial and medical underwriters and five adminstrators, which means you’ll have dedicated points of contact for your case. They’ll liaise directly with you throughout the application process, providing any support you need as well as frequent updates.
Our financial underwriting limits meet the needs of HNW individuals. We won’t ask any financial questions below £1.25m Life or £650,000 Critical Illness, and only require financial evidence for cases over £3.5m Life or £1.5m Critical Illness.
We do not ask for a paper financial questionnaire or for a General Practitioner’s Report (GPR) - regardless of the sum assured or age of the client.
Your client will receive Immediate Cover, which is a temporary cover while the application is being assessed. Our Immediate Cover is valid for up to 90 days from the date of a fully completed application, subject to certain exclusions.
They can receive up to a maximum of the sum assured or: