In partnership since 2016
Since partnering in 2016, NFU Mutual and AIG have helped more than 9,700 customers to protect the things that matter most – themselves, their families, their income and their business.
Protect what really matters to your customers
Everything we do at AIG is about providing support to individuals and their families. It’s easy for you to tailor the right solution to meet your customers’ needs as they change over time.
Our business protection solutions can ensure your customers' businesses are fully protected, should the worst happen.
Together we have...
So far we have protected over 9,700 NFU Mutual customers.
We paid out over £92 million in life and critical illness claims last year. Over the last three years, we’ve paid out more than £233 million.
Overall NPS for NFU Mutual, which gauges a how likely a customer is to recommend a company or service, is a very positive +37, with over 80% of customers saying that they would be likely or very likely to use AIG Life again for future protection needs.
What's changed since partnering?
Our brand new critical illness cover
Every customer is different, so we’ve designed flexible critical illness cover that gives you choices. Personalise your recommendation to their unique budget and family needs, and give them fairer outcomes and value for money from day one.
Income Protection launched exclusively for NFU Mutual farmers
We’ve worked with NFU Mutual to understand your customers’ needs. In 2018, we made Income Protection more accessible to customers with manual occupations, such as builders, carpenters and landscape gardeners, who would have previously been declined.
Continuous underwriting improvements
We understand the need to improve what we do. That’s why we continually innovate to provide NFU Mutual’s customers with award winning products. Here are some of the improvements we’ve made since launching the partnership:
- Regular underwriting engine rule changes to improve Straight Through Processing rates.
- Introduction of the eAMRA provides a fully signature free application process.
- Increase in financial underwriting limits.
- Removal of the requirement for financial questionnaires.
- Improved retirement ages for some occupations.
Literature and support materials
Key Facts
Critical Illness Choices – key facts
This document describes what is covered by Term Assurance with Critical Illness, who can buy it and how it works.
Critical Illness (Business Protection) - Key Facts
This document describes what is covered by Business Protection Critical Illness with Term Assurance, who can buy it and how it works.
Family Income Benefit - Key Facts
This document describes what is covered by Family Income Benefit Insurance, who can buy it and how it works.
Income Protection - Key Facts
This document describes what is covered by Income Protection Insurance, who can buy it and how it works.
Relevant Life Insurance - Key Facts
This document describes what is covered by Relevant Life Insurance, who can buy it and how it works.
Term Assurance (Business Protection) - Key Facts
This document describes what is covered by Business Protection Term Assurance, who can buy it and how it works.
Term Assurance - Key Facts
This document describes what is covered by Term Assurance Insurance, who can buy it and how it works.
Whole of Life - Key Facts
This document describes what is covered by Whole of Life Insurance, who can buy it and how it works.
Cover Details
Critical Illness Choices – cover details
This explains how the cover works and the terms and conditions for YourLife Plan Term Assurance with Critical Illness Choices.
Critical Illness (Business Protection) - Cover Details
This explains how the cover works and the terms and conditions for Business Protection Critical Illness with Term Assurance
Family Income Benefit - Cover Details
This explains how the cover works and the terms and conditions for YourLife Plan Family Income Benefit
Income Protection - Cover Details
This explains how the cover works and the terms and conditions for YourLife Plan Income Protection
Relevant Life Insurance - Cover Details
This explains how the cover works and the terms and conditions for Relevant Life Insurance
Term Assurance (Business Protection) - Cover Details
This explains how the cover works and the terms and conditions for Business Protection Term Assurance
Term Assurance - Cover Details
This explains how the cover works and the terms and conditions for YourLife Plan Term Assurance
Whole of Life - Cover Details
This explains how the cover works and the terms and conditions for Whole of Life Insurance.
Sales Aids
Best Doctors - Guide
Find out how Best Doctors gives your clients access to an invaluable second medical opinion service.
Critical Illness Choices – adviser guide
It's time to meet quality critical illness cover, designed to suit your clients' needs. Read more about how you'll be able to personalise protection for your client, their family and their budget.
Critical Illness Choices – sales aid
Find out how our critical illness product offers quality and flexibility, giving better outcomes and value from day one.
Giving you something premier
High-net-worth customers expect personalised support. That’s where our Premier Service comes in. Combining specialist services with dedicated underwriting, it’s tailored to you and your customers.
Immediate cover
While an application is being assessed, AIG can provide your client with temporary cover.
Income Protection Sales Aid
Income protection is there to keep the money coming in every month. If you can’t work because you’re seriously ill or injured we’ll be there. Learn more.
Income Protection – occupational sales aid for teachers
Understand how we go above and beyond to complement an employers sick pay.
Income Protection – occupational sales aid for dentists, doctors and surgeons
Have a read of this guide to get to grips with our YourLifePlan Income Protection features that are just for dentists, doctors and surgeons.
Winston's Wish guide
Read our guide to learn more about the support on offer from Winston’s Wish and how their experts help children and young people face the future with hope and lead full and flourishing lives.
Smart Health - leaflet
Make Smart Health choices and get unlimited access to a 24/7 online GP as well as a range of other health and wellbeing experts.
Smart Health
Smart Health - leaflet
Make Smart Health choices and get unlimited access to a 24/7 online GP as well as a range of other health and wellbeing experts.
Smart Health Playbook
Discover how to use health and wellness to build long-lasting client relationships, grow your business and increase referrals and retention.
AIG helps customers to make Smart Health choices
27 August 2019 - AIG Life has added a virtual GP and health service to all of its individual and group protection insurance offerings, to enable families and employees to take control of their health and wellbeing.
Eat well to feel well
The food we eat is important for keeping our immune systems in good shape. The kitchen essentials listed in this guide show you how to include the nutrients you need in your day-to-day diet.
How to exercise at home
This guide covers exercising at home for every member of the family, from children to grandparents. We also share some ideas for how to keep in shape whilst working from home, whatever your fitness level.
Good mood foods
Fuelling your body with the right nutrition can support you both mentally and physically. This guide helps you to understand the benefits that nutrients such as potassium, magnesium and omega 3 can have for your health.
Nutritious kitchen essentials
We’re all looking to make the most of what we currently have in our kitchens. Our kitchen essentials guide gives you some inspiration for cooking delicious meals with basic ingredients from your cupboard or fridge.
Underwriting
Medical Screening Factsheet
Information about Medical screenings.
Quick reference underwriting guide
This is a quick reference guide will help answer your underwriting questions.
NFUM Occupation list
You can access the list of occupations we cover here.
Business Protection
Business Protection Adviser Guide
This Business Protection guide helps to support and streamline your advice process.
Critical Illness (Business Protection) - Cover Details
This explains how the cover works and the terms and conditions for Business Protection Critical Illness with Term Assurance
Critical Illness (Business Protection) - Key Facts
This document describes what is covered by Business Protection Critical Illness with Term Assurance, who can buy it and how it works.
Relevant Life Insurance - Cover Details
This explains how the cover works and the terms and conditions for Relevant Life Insurance
Relevant Life Insurance - Key Facts
This document describes what is covered by Relevant Life Insurance, who can buy it and how it works.
Term Assurance (Business Protection) - Cover Details
This explains how the cover works and the terms and conditions for Business Protection Term Assurance
Term Assurance (Business Protection) - Key Facts
This document describes what is covered by Business Protection Term Assurance, who can buy it and how it works.
Relevant Life - Adviser guide
Get to grips with the basics of the cover, learn more about how to set it up and the tax efficiencies and find out why AIG.
Relevant Life - Features table
Discover the key features and benefits of AIG Life's Relevant Life Insurance with this simple and easy to use table.
Trust
A guide to trusts
This guide explains what trusts are and how they work.
Deed of assignment
Our Deed of Assignment document.
Flexible business trust
This is our Flexible Business Trust document.
Discretionary Trust form - single life
Discover more about Discretionary Trusts for a single life policy and how they could be the right option for your client.
Discretionary Trust form - joint life
Discover more about Discretionary Trusts for a joint life policy and how they could be the right option for your client.
Relevant Life Insurance - Discretionary trust
A discretionary trust document for use with Relevant Life insurance.
Relevant Life Insurance - Expression of wishes form
Relevant Life Insurance Expression of Wishes form.
Bare Trust form - single life
Discover more about Bare Trusts for single life policies - from definitions to the trust provisions and the declaration of trust.
Bare Trust form - joint life
Discover more about Bare Trusts for joint life policies - from definitions to the trust provisions and the declaration of trust.
Forms
Instruction to your bank or building society to pay by direct debit
Download our bank and building society direct debit form.
Medical data capture form
This form contains questions that our online application system will ask for the 10 most common medical disclosures.
Product governance
Fair value assessments
Life Insurance – fair value assessment
This document contains the outcome of AIG's Life Insurance fair value assessment, including the products in scope.
Critical Illness – fair value assessment
This document contains the outcome of AIG's Critical Illness fair value assessment, including the products in scope.
Income Protection – fair value assessment
This document contains the outcome of AIG's Income Protection fair value assessment, including the products in scope.
Target market statements
Term assurance, CI and IP – target market statements
This document contains our individual protection target market statements for AIG's Term Assurance, Critical Illness and Income Protection. It's an overview of who is and isn’t right for the products and what type of adviser should sell it.
UWOL and CCWOL – target market statements
This document contains our individual protection target market statements for Underwritten Whole of Life and Care Cover with Underwritten Whole of Life. It's an overview of who is and isn’t right for the products and what type of adviser should sell it.
Relevant Life and Business Protection – target market statements
This document contains our individual protection target market statements for AIG's Relevant Life and Business Protection. It's an overview of who is and isn’t right for the products and what type of adviser should sell it.
Useful information
Smart Health and Winston's Wish
Smart Health
Valued at £43 a month, Smart Health is powered by the experts at Teladoc Health, who provide industry-leading care in over 175 countries worldwide. It gives all AIG customers unlimited 24/7 access to an online or phone-based GP service, mental health support, a health check, tailored fitness and nutrition plans and an expert second medical opinion – all at no additional cost. Partners and any children up to the age of 21 can take advantage too.
All services can be accessed via the website or the Smart Health app. To get started, your clients need to open the app or website, create a profile, and enter their details (including their policy number).
Winston's Wish
Life insurance is there to make sure your clients’ families are financially secure should the worst happen. But what about the emotional impact their death could have? Especially when it comes to children. That’s where Winston’s Wish comes in.
Winston’s Wish offers a wide range of practical assistance and guidance in the UK, including online resources, publications, a national telephone helpline, professional face-to-face support and group work.
Anyone who makes a life or terminal illness claim can use this service – it doesn’t matter how old or new the policy is.
Case Studies
Victoria's story
Self-employed Victoria had been around horses all her life but when an accident prevented her from working, she feared the worst. Fortunately, she had income protection.
Ian's story
Max was announced profoundly deaf moments after being born in May 2017. Ian wanted to share their story and to offer advice to those thinking about taking out insurance.
Alex's story
Alex was diagnosed with colorectal cancer in June 2017 at the age of 66, and wanted to offer his advice to those thinking about taking out insurance.
John's story
John never thought that he would need to claim on his critical illness insurance policy. A diagnosis for prostate cancer turned his world upside down.
News and blogs
View our latest blogs
Our adviser news and blogs section give you the latest AIG product news, support and underwriting articles, as well as some useful podcast content.
Our Awards
We've won a number of awards
Our awards demonstrate our commitment to excellence in every element of our service, for customers and intermediaries. View another reason why NFU Mutual chose to partner with AIG Life.
Customer help and information
At AIG, looking after the people we protect is second nature. And sometimes it might mean going above and beyond if your customers want a little extra help. Click the link below to find out more about the ways AIG can support.
CPD
The CPD learning hub
Learning should never stop but sometimes a little support goes a long way. Delve into our structured CPD hub and start to fulfil your IDD quota today.
Videos
#OneChat with Dave
#OneChat with Dave
Like Dave, your clients might never expect to need their insurance. Yet out of the blue he did. But here’s the thing – it’s better to be prepared for life’s challenges. (2min 12sec)
The importance of critical illness cover
The importance of critical illness cover
AIG's Chief Medical Officer, Rob Rosa, explains the importance of critical illness cover and the financial security that it could provide. (1m 51s)
The importance of critical illness cover
Hi, I'm Rob Rosa, chief medical officer here at AIG and I'd like to spend a few moments just talking about the importance of Critical Illness Cover. Now, Critical Illness Cover is that lifeline, that parachute. You don't ever want these policies really to pay out; if it pays out, it implies that you've actually had a fairly major catastrophic medical emergency that's occurred in your life. So it's one of those policies that you buy, you put on the shelf for a rainy day hoping that you never actually have it paid out. However if you are in the unfortunate position and you do have something happen in your life, then really what you need to be concentrating on as an individual is just getting better. What you don't want is to have that financial insecurity, that worry, that fear factor because it just adds layers on top of your recovery and it prevents you from getting better.
Now, medical practice has evolved immeasurably over the last ten years and will only continue to do so. So we are finding that we're making recoveries quicker, swifter, with far less long-term problems from conditions such as stroke disease, heart attack, all-cause cancer. But that doesn't take away from the enormity, from the impact of actually what these conditions represent. So in my time as a general practitioner, where I've spent 18 years as a medical doctor in the NHS, I've seen at first hand actually what these diagnoses cause; the pressure on the family unit, the stress on self, the impact actually on your ability to maintain your occupation. So at the time in your life, if one of these actual conditions do occur, then I think it's absolutely paramount and essential that you have proper financial security in place. And that comes from Critical Illness policies.
[END OF TRANSCRIPT]
Critical Illness: Why we don't talk about it
Critical illness: Why we don't talk about it
AIG's Chief Medical Officer, Rob Rosa, explains explains why often Critical illness isn't talked about with clients, and why it really should be. (1m 32s)
Critical illness: Why we don't talk about it
With Critical Illness Cover most of us actually focus on what the Ts and Cs say and importantly, actually, what the condition is that you're claiming for. There's that whole hidden background aspect of the enormity of this condition, the effect that it has on yourself and the effect that it has on your family. So for instance, if you have a major diagnosis like heart disease, once you've had your heart attack that could knock you out of action for weeks. The rehabilitation courses that you go on, the impact of actually doing your daily exercises, the constant general practitioner visits of adjusting your medication, of seeing your practice nurse to get weighed, to have your blood checks; these are major factors that will impact your life for a considerable period of time and potentially for the rest of your life itself.
So whilst it's tempting just to look at the headline grabber, the condition that actually you're concentrating for and claiming for, I think that's actually missing the true enormity, the daily impact of your family. Of course when you get that payment, that slug of money that goes into your bank account, of course that doesn't just sit there. That's yours to actually fund and buy additional care, top-up care to make you get better quicker, potentially to feed and then dovetail with what the NHS can offer you. But most importantly it's there so that you've got choice, so that you can then still provide for your family whilst you're just getting better on your own.
[END OF TRANSCRIPT]
Medical advancements and critical illness
Medical advancements and critical illness
AIG's Helen Croft and Chief Medical Officer, Rob Rosa, discuss how medical advancements have helped the way we underwrite critical illness policies. (4m 24s)
Medical advancements and critical illness
Good morning, I'm here with Doctor Rob Rosa, our chief medical officer at AIG Life. We're going to be talking about medical advancements and what impact they're likely to have on critical illness. So, over to you, Rob, to tell us a little bit about who you are and what you do here at AIG.
Hi Helen, I'm Rob Rosa, chief medical officer here at AIG Life. In my former occupation I was a full-time NHS general practitioner. I was a GP and senior partner in a very busy inner-city primary care facility in Salisbury for the last 18 years. Twelve months ago, I made the hop over to pure insurance-related medicine, which is where I've now been employed by AIG.
What advancements in medicine do you think will impact critical illness the most in the next five-to-ten years?
I think undoubtedly the hot topic in insurance medicine at the moment is the liquid biopsy. The liquid biopsy is not a biopsy in the traditional sense. At the moment, the gold standard is - and perhaps potentially will always remain - a solid tissue biopsy. But we have got the option for liquid biopsy, which is quite a novel approach to looking at molecular levels within all sorts of fluid, so cerebrospinal fluid, blood fluid, possibly even urine. This is looking at tiny amounts of DNA that a tumour then releases into the system. So, the potential is actually to diagnose cancer sooner. Obviously, if we could get to the screening stage, that would be a magnificent achievement. I think that the landscape is there for this to actually develop but I think that we're not quite there yet. In five-to-ten years, you may start to see liquid biopsies being used far more fluidly.
Great, so that could make a big difference in claims handling for critical illness?
The potential, the impact is actually huge. We also have to be slightly cautious because if a liquid biopsy can then actually look at a precancerous diagnosis, you've always got the run of the risk then of anti-selection but I think that we will cross that bridge later on.
In your medical practice, what medical conditions do you see having the biggest impact on patients and how do you see that critical illness can help support them with that?
I think that this won't come as a shock to anyone to know that obesity probably is the biggest risk factor to CI certainly over the next five-to-ten years and probably substantially into the long term as well. If you look at the three major Cs, so cerebrovascular disease, cardiovascular disease and cancer, and you remember those old mathematical Venn diagrams you had at school, if you put obesity in the centre of this and like a spider's web then coming off, you'll see actually that obesity has the biggest impact. I think the claims experience moving forwards, we will then see more and more cases with a direct correlation with obesity. And without using the pun, it's a big problem and I think it's a big challenge not just at a local level but I think at national level and certainly if not global. So our own personal experience of CI, I think, is very much going to be shaped with obesity moving forwards.
I was hoping you could share with me some information on what are hot topics in medicine at the moment.
Well, those two that I've just mentioned there probably are not just hot topics but I would actually say white hot topics. You've got government agenda being driven by obesity crisis and on the other side of it, you've got liquid biopsy, molecular level, ultra-niche levels of medicine which is actually coming into mainstream practice. I think that those two together are the twin elements that we're seeing. They face a challenge, not just a financial challenge, but of course the treatment challenge as well. And if we could just crack some of the core levels at the earliest possible stages then we stand the chance moving forwards actually of making really solid healthcare grounds.
So there's a real focus on prevention rather than cure?
Prevention rather than cure is always the gold standard, isn't it? If we can actually address it in the early infancy of these conditions, then actually we stand a better prospect of actually having some - well, not just a decent dialogue about these conditions - but actually having proper management strategies that effectively work.
Brilliant. Thanks, Rob, that was really insightful. Thanks for joining us here at AIG and we look forward to working with you more in the future.
You're welcome.
[END OF TRANSCRIPT]
Mental health and Critical Illness Cover
Mental health and Critical Illness
AIG's Chief Medical Officer, Rob Rosa, explains the how mental health conditions apply to critical illness cover (1m 05s)
Mental health and Critical Illness
Mental health is one of those silent background illnesses that unfortunately can reach catastrophic levels and so CI cover really is there designed in that awful eventuality if you experience a major life event and you end up with a major serious psychological or psychiatric disturbance. It's not intended for the lower-grade levels that stay within primary care, but really for those conditions that have the most enormous intrusive impact on your lives. And when you take out CI cover, by and large you don't expect to have one of these but life is not like that. Unfortunately as life continues, we are constantly exposed to stresses and to strains and the eventuality that you have a very unexpected serious mental health diagnosis or that you're sectioned for some reason or another, then of course a CI product may be there to provide some of that background financial security for you and for your family.
[END OF TRANSCRIPT]
Pregnancy complications
Pregnancy complications
AIG's Chief Medical Officer, Rob Rosa, explains how pregnancy complications aren't often talked about in relation to critical illness cover (1m 16s)
Pregnancy
So the next topic actually is really quite a difficult one; it's one the very seldom people will want to share with friends or even with their family unit and it's about pregnancy complications. Now, this is the most unthinkable situation; where something happens that actually threatens the advancement of your pregnancy. The pregnancy is something that you've planned for, that you desperately want to succeed, and in that situation unfortunately things can happen and unfortunately they genuinely do happen. So in that scenario, you want to know that actually you do have some support so that you really can devote time not just for yourself to get better, but for your family and your friends actually to share in that involvement of getting better. In some instances, unfortunately, pregnancies end in a bereavement. In those catastrophic situations, really your life is then put on hold. So if you are going to have a policy with this kind of benefit that adds in place there, it's really for that event that you don't want to take your mind to, but unfortunately for a core group of women it does happen. And when it happens you need to know that actually you've got some support in the background.
[END OF TRANSCRIPT]
Pacemakers: How they work
Pacemakers: How they work
AIG's Chief Medical Officer, Rob Rosa, explains what pacemakers are and how they work. (1m 58s)
Pacemakers: How they work
Pacemakers have actually revolutionised our treatment of dysrhythmias and abnormal heart rates in medicine. As the years have progressed we've actually gone now to quite incredible devices. Now, these pacemakers are really novel agents; they will either correct an abnormal rhythm, slow up a very fast rhythm or speed up a very slow rhythm. So we can actually programme them manually in order to keep somebody at a nice regular distinct rhythm permanently. The way in which we actually fit them is you make a very small incision just under the skin, create a little pocket; it's usually just on the left-hand side. The pacemaker itself is a little disc. That sits inside there. This is all done as a day case unit, taking perhaps no more than 30-to-60 minutes in the operating theatre.
They have a couple of leads; they will attach inside the heart, sit inside the chambers and bury themselves into the wall. What they do is they keep that nice regular rhythm, so it's designed to kick in when your rhythm goes into an abnormal one. The follow-up checks take place every six-to-12 months. The batteries last a few years. Really once it's in place, life doesn't really change at all. In fact most people should feel slightly better. Heart rhythm disturbance tends to cause things like chest pain or even some aching and certainly some shortness of breath. So actually a well-chosen pacemaker that's fitted correctly and is working properly actually makes you feel an awful lot better. So in terms of the procedure itself, pretty slick, very quick, very simple technically. In terms of the long-term prognosis; absolutely excellent. In terms of you feeling better; once you've had it inserted, you feel brighter, you're able to walk further with less shortness of breath and your limitations on life, apart from extreme strenuous exercise, actually sees no difference whatsoever.
[END OF TRANSCRIPT]
Smart Health: Tom
Smart Health - Tom's story
Learn how to make #SmartHealthChoices and unlock unlimited access to a 24/7 virtual GP as well as a range of other health and wellbeing experts.