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WorksheetsProtection Provider, Show you know 2
Total questions: 15
Worksheet time: 8mins
What is Aviva Extra Care cover option?
Available on Life, Critical Illness and Income Protection policies
Pays out on diagnosis of dementia, Parkinsons disease or Motor Neurone disease only if you are over 55 on diagnosis
It’s a free option available on policies with Critical Illness included
Pays out on a diagnosis of dementia, Parkinson disease or Motor Neurone disease if you are under 55 on diagnosis
What is Royal London Helping hand option?
A payout when you are down on your luck
A second medical opinion
Emotional and practical nursing support
Someone to come and do odd jobs
Getting my medical notes sent to the renowned specialist in the world is called....?
Second Medical Opinion
Best Doctors
Global Treatment
Helping Hand
How much Children’s serious illness cover can be included in a Vitality Income Protection policy?
None as it's an Income Protection Policy
£25,000 as standard
Up to £100,000
Up to £50,000 or 25% of the sum insured whichever is the lowest
What is the Benefit Guarantee for LV Income Protection for all occupations?
£1000
£1,500
£3,000
No Guarantee
What is the Benefit Guarantee on Income Protection for doctors and surgeons with LV?
£1,000
£1,500
£3000
£5,000
How does smoker status affect premiums on LV’s Income Protection and Sick Pay?
Same rates apply regardless of smoker status
Separate rates for smokers and non smokers
Seperate rates for Smokers and Non Smokers on income protection only
Separate rates for smokers and non smokers on Personal Sick Pay only
Is Fracture cover included with LV’s Income Protection and Sick Pay?
Only as a paid for option
No its not available
Only on Personal Sick Pay
Only on Income Protection
What is Royal London repayment guarantee option?
It pays a lump sum equal to your Client's outstanding mortgage or loan amount at the date of claim
It pays the monthly mortgage repayments in the event of being off work through long term sickness
It pays the monthly mortgage repayments in the event of redundancy
It guarantees to refund all premiums in the event of death in the first 5 years of the policy
What Payment Periods are available with LV’s Budget Propositions
24 Months only for both
12 or 24 months for both
12 and 24 for Sick Pay and 24 for IP
12 and 24 for IP and 24 for Sick pay
If a client has a Life policy, Critical Illness policy and an Income Protection policy which one would you add any paid options to and why?
Critical Illness as this generally links nicely to the options
A life policy because it is the cheapest way to do it
The Income Protection policy as the policy doesn't stop after a claim so the options will continue longer
Any of the policies
What is not included in Vitality Life's Essential plan?
Free Life Cover
Guaranteed Insurability Option
Children's Serious Illness cover
All of these
Who offers Education cover?
Royal London
Aviva
Vitality
Legal & General
What is Family Income Benefit?
Gives an income if you are off sick
Gives an income if you die or suffer a Critical Illness
Pays an income if you die only if you have children
Pays an income if you are made redundant
If recommending a policy is written in trust, what element of the policy should be placed in trust?
Life Insurance
Critical Illness Insurance
Income Protection Insurance
Buildings and Contents Insurance
