Allied Dunbar critical illness and life insurance

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Allied Dunbar life cover

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We save you money on life assurance and critical illness cover by offering the lowest rates

Allied Dunbar policies via Lifesaver Direct

When dealing with a company such as Allied Dunbar, you often pay for a consultant's time. Whereas you can buy the same policy through Lifesaver Direct and we are able to bypass the consultant's costs and hand down the saving to you in the form of a discount on the monthly premium.

About Allied Dunbar

Allied Dunbar are a part of Zurich. Altogether Allied Dunbar have £19 billion invested on behalf of their clients.

Allied Dunbar Products

Lifestyle Plan

  • Protects your financial security against critical illness.
  • Two versions to suit different budgets.
  • Optional life cover.
  • Free Children's Critical Illness benefit.
  • Potential to increase cover without further medical evidence.
  • Additional benefits for complete protection.

The Allied Dunbar Lifestyle Plan is a unit-linked term assurance plan, which in return for regular contributions is designed to pay a cash lump sum if you are diagnosed with one of the specified critical illnesses or undergo one of the specified operations and survive for 28 days, or if you die (if the life cover benefit has been selected). As the plan is designed principally for protection purposes, there is no cash-in value at any time.

Lifestyle Plus Plan

  • A comprehensive protection package throughout your life.
  • Two versions to suit your budget.
  • Different options to suit your needs.
  • Optional life cover.
  • Free Children's Critical Illness benefit.
  • Additional benefits for complete protection.

The Allied Dunbar Lifestyle Plus Plan is a unit-linked whole of life assurance plan, which in return for regular contributions is designed to pay a cash lump sum if you are diagnosed with one of the specified critical illnesses or undergo one of the specified operations and survive 28 days after, or if you die (if the life cover benefit has been selected). As the plan is designed principally for protection purposes, you are likely to get back less then you have paid especially in the early years.

Income Protection Plan

  • Protects your income from the impact of long-term illness or disability.
  • Two versions to suit your budget.
  • Additional benefits for complete protection.
  • 'Own occupation' definition of disability.

The Allied Dunbar Income Protection Plan is a unit-linked life assurance plan, which in return for regular contributions for the duration of the plan, is designed to provide a regular income after a deferred period if your earnings stop due to illness or disability and you are unable to work. As the plan is designed principally for protection purposes, there is no cash-in value at any time.

General explanation

Why you can save money on life assurance and critical illness

Over the course of the last 18 months to 2 years protection costs, have in many cases been decreasing. It has however recently been announced that providers will be increasing the cost very shortly. The market has never been more competitive and you may never have a better opportunity to save money by taking advantage of low cost life assurance and critical illness cover.

There are a number of factors to consider:

The new Allied Dunbar plan will need to be underwritten and could be offered on different terms or rejected if your state of health is different to when you originally took out the plan. If you do elect to take this offer you must ensure that the new plan is acceptable and in force before you stop the original.

You may wish to consider your level of cover as it may no longer be suitable, will it suffice? If you feel a review would be beneficial we can help you with this.

Mortgage protection plans are usually used in conjunction with repayment mortgages to protect against death and/or critical illness. The cover is designed to reduce in line with the outstanding mortgage loan.

Life insurance cover is designed to pay out a lump sum should you die during the term of the policy. This is usually on a level basis, meaning that the sum assured does not reduce. Critical illness cover may also be included in the plan.

For an additional cost, critical illness cover can be added to the life cover or mortgage protection plans. It provides cover if you are diagnosed with a critical illness such as cancer, stroke, heart attack, loss of hearing, and numerous others.

A full explanation of the policy will be shown in the key features document.

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