Key & Unique Selling Points

  • Accident Sickness & Unemployment, Accident & Sickness or Unemployment
  • Covers up to £3,000 per month or 90% of income after tax
  • Short Term Income Protection with 2 benefit periods – 12 months, 18 months
  • 3 Excess options – back to day 1, 30 day excess, 60 day excess
  • Covers up to 30 regular financial commitments including:
    • Mortgage & Rental payments
    • Unsecured / Secured Loans
    • Any/all household bills
      But totally portable and totally freestanding – not linked to any one commitment
  • Flexible – A monthly renewable policy where the cover and benefits can be changed at any time throughout the life of the plan
  • On Accident & Sickness cover our monthly benefit is paid in addition to any arrangements the customer has with their employer
  • 5 Star rated by Defaqto in each of the last 7 years. Keystone provides one of the most comprehensive policies in the market as indicated by a Defaqto 5 Star Rating
  • Initial exclusion period of only 60 days which is waived if transferring ‘like for like’ cover
  • Simple online software that is easy to understand with minimal underwriting
  • Price band is dependent on age at purchase and is then set for life
  • First month’s premium is free
  • Premiums do not automatically increase after a customer makes a claim or at the annual review
  • Same price for smokers/non smokers
  • All types of workers covered- the employed, the self employed and even short term and long term contract workers
  • The usual exclusions that do NOT apply
    • No job or industry sector exclusions
    • No hobby or dangerous activities exclusions
    • No backache exclusions
    • No cosmetic or elective surgery exclusions
    • Full Involuntary Unemployment cover, no dismissal exclusion
    • Performance related issues are not excluded
  • Same underwriters (Lloyd’s) for 35 years
  • One of the best commission rates around – (payable monthly by BACS)

 

To access Keystone software please contact Jack Norrey at The Right Mortgage and Protection Network or Sam Lomri at MMS providers of Keystone.

 

Jack Norrey

01564 732 744
agency@therightmortgage.co.uk

 

Sam Lomri

07825179268

sam@mms-uk.com

www.keystoneinsure.co.uk

This document is for insurance professionals and is not to be provided to the consumer. Please refer your customer to the key facts or policy document to ensure they gain a fully balanced view of the cover.

Keystone is administered by Marketing and Management Services Ltd (trading as MMS) and is underwritten at Lloyd’s.
MMS is authorised and Regulated by the Financial Conduct Authority.