Critical Illness Cover, what's in it for you and your client?

The answer's unlimited.

Progress Critical Illness Cover pays out a guaranteed lump sum if your client is diagnosed with any one of 40 critical illnesses. But there's much more to it than that - for both you and your client.

What's in it for you?

As with all our cover, we make it quick and easy to get your clients on risk. At the quote and apply stage we only ask questions that are relevant to the cover being applied for.

We have no automatic medical limits and underwriters carry out in-depth tele-interviews which help remove the need for GP reports - saving you time and money.

Progress Critical Illness Cover also offers a wide range of advantages including low minimum premiums, and greater flexibility. You'll find all the product and marketing literature online.

We've also carried out extensive market research and can provide client profiles which will help you to target both new and existing clients more accurately. This will enable any ambitious adviser to make the most of the growth potential in their business.

What else is in it for your clients?

The maximum sum assured is £1,000,000 and cover can be level - or linked to the Retail Price Index so it helps to offset the effects of inflation. Or it can be decreasing which makes it ideal protection for a mortgage. And the low minimum premiums and the possibility of arranging cover for a Single Life or Joint Life First Death puts Progress Life with Critical Illness Cover within easy reach of everybody.

We cover 40 conditions

We offer automatic cover for Total and Permanent Disability and Terminal Illness at no extra cost. Of our conditions, 18 meet the ABI model definitions, 5 of them exceed the ABI model definitions and 17 are our own definitions. Please see our Critical Illness Guide for more information.

For added peace of mind, and at no extra cost we'll cover your clients' child, including a stepchild or adopted child for all 40 conditions.

Free cover during underwriting

For up to 90 days during underwriting your client will enjoy FREE Mortgage Cover of up to £350,000 - plus FREE Accidental Death Cover of up to £200,000.

Greater flexibility

Our Guaranteed Insurability Options means your client can increase their level of cover without any need for further underwriting if there is a special event in their life. For example:

• Changing career or getting a salary increase
• Getting married or entering a Civil Partnership
• Having children
• Adopting children
• Moving to a new house
• Increasing their mortgage for home improvements

It is also worth remembering that if your clients were to divorce or separate, we also offer a joint life separation option that means they can keep their Life with Critical Illness Cover.

This also helps you grow your business.

The flexibility of Progress Critical Illness Cover has the added advantage that it offers you a very good reason to contact your clients on a regular basis, to review their circumstances, and where appropriate suggest they increase the cover they have.