Care Cover with Whole of Life Insurance
Why choose AIG
Care Cover benefit
Whole of Life Insurance
Inheritance tax or legacy
Care Cover with Whole of Life Insurance doesn’t have a term − your clients will be covered for the rest of their lives. So it might be the right product for dealing with the impact of IHT on the value of their estates. It can also help if your clients want to leave something behind for their families or pay for their funeral.
Writing your client's policy into trust
If your clients want to put their policies into trust, we’re on hand with example trust documents. This legal arrangement could ensure that money paid out for a claim goes straight to the people it needs to. It could also speed up death claim payments and help mitigate Inheritance Tax liabilities.
We can’t advise on whether putting any policy into trust would be the right thing to do for your clients and recommend they take professional legal and tax advice. Here’s our guide to explain how trusts work with AIG policies.
Our Claims Support Fund
Waiver of Premium
From on-demand consultations with UK based GPs to second medical opinions from Best Doctors®, our Smart Health service is a convenient way to connect your clients to tools that help them manage their health and wellbeing. It’s available 24/7, 365 days a year, anywhere in the world and can also be used by their partners and children up to age 21, all at no additional cost.
Smart Health is a non-contractual benefit that could be changed or withdrawn in the future.
Waiver of Premium is available for clients who purchased their policy when aged 54 and below. This cover ends when the person reaches their 70th birthday.
Literature and support materials
Care Cover with Whole of Life - Key Facts
This document describes what is covered by Care Cover with Whole of Life Insurance, who can buy it and how it works.