YourLife Plan
Every client’s different – their needs, budgets and circumstances. We get that. And that’s why you should consider a menu plan. With a menu plan you can find the best combination of products for your clients.
All YourLife Plan products can be combined under our menu plan.
- YourLife Plan Term Assurance
- YourLife Plan Term Assurance with Critical Illness Choices
- YourLife Plan Family Income Benefit
- YourLife Plan Income Protection
Also available in our menu plan are:
- Whole of Life Insurance
- Care Cover with Whole of Life Insurance
- Key3 Critical Illness (standalone or with life insurance)
Our online portal’s the place to start. Once you’re logged in, it’s time to build your client’s menu plan – all under one application. For you, there’s only one provider to explain - and only one direct debit coming out of your client’s account every month.
Why choose our menu plan
- Chance to talk protection: boost engagement with a protection conversation – tell your clients about the differences between products to help them evaluate their needs.
- Simplicity: everything’s under one roof – one provider, one application and one direct debit. Easy to manage – tick.
- Flexibility: different start dates for different parts of a client’s plan mean there’s options. You could start protecting their income straight away but their life insurance at a later date.
- Adaptability: things happen – that’s just part of life. So our protection products can adapt to your clients’ lifestyle changes – having children, buying a new house, moving. Allowing them to make changes to their existing cover when needs change.
- Immediate cover: waiting can sometimes be the hard part. So your clients are covered whilst we take a look at their application. They’ll have immediate cover in place for up to 90 days, subject to a few exclusions.
Your clients can also benefit from a multi-product discount. Speak to our sales team to find out more.
Additional benefits
Smart Health
The insurance also includes access to Smart Health, an additional service provided at no additional cost to you. From on-demand consultations with UK based GPs to second medical opinions, 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 provided to AIG Life Limited customers by Teladoc Health. We want to let you know that these services are non-contractual, which means they don’t form part of the insurance contract with us. If our partnership with Teladoc Health ends, these services could be changed or withdrawn in the future.
Winston's Wish
We all know that life insurance is there to support your loved ones should the worst happen, but at AIG, we know that there’s more to it than just financial protection. Winston’s Wish – the UK’s leading child bereavement charity – help children get the support they need in the event of losing a parent or sibling.
Winston's Wish is a national charity that is accessible to anyone regardless of whether they have an insurance policy with AIG Life. The service is available even if an AIG Life policy ends.
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.
Literature and support materials
Term Assurance - Key Facts
For more information on YourLife Plan Term Assurance, visit our Key Facts.
Critical Illness Choices – key facts
For an overview of YourLife Plan Term Assurance with Critical Illness Choices, visit our key facts.
Income Protection - Key Facts
For more information on YourLife Plan Income Protection, visit our Key Facts.
Family Income Benefit - Key Facts
For more information on Family Income Benefit, visit our Key Facts.
Term Assurance - Cover Details
Read our Cover Details for an explanation of how AIG’s YourLife PlanTerm Assurance works.
Critical Illness Choices – cover details
Read our cover details for an explanation of how YourLife Plan Term Assurance with Critical Illness Choices works.
Income Protection - Cover Details
Read our Cover Details for an explanation of how AIG's YourLife Plan Income Protection works.
Family Income Benefit - Cover Details
Read our Cover Details for an explanation of how AIG’s Family Income Benefit works.
Reasons why – individual protection
This guide provides examples for all scenarios where individuals are looking for cover and help with ‘reasons why’ letters.