Old Mutual Wealth have been added to The Right Mortgage Protection Panel with immediate effect

 Our Products

  • Whole of Life – guaranteed premium and guaranteed sum assured
  • Level Fixed Term – (life cover maximum age at expiry 100)
  • Rolling Term – renewable term with a difference – premium tranches are disclosed and guaranteed at outset
  • Critical Illness – on a fixed term or whole of life basis

We can help with …

  • Family Protection
  • Business Protection
  • IHT and Estate Planning

Critical Illness conditions

  • 65 conditions made up of …
    • 47 full conditions
    • 18 additional payment conditions (all paying 25% up to £25,000)
  • PLUS Surgery Benefit – a very valuable addition which pays the full sum assured before surgery
  • 17 ABI+ conditions
  • The combination of Surgery Benefit, Serious Accident Benefit and Intensive Care benefit is a compelling combination
  • Children’s CI – Up to age 21 plus double payment up to £50,000 on JLFD

Claims History – a claims history you can trust

  • CI claims history:  2016 – 93.85%,  2015 – 95.3%, 2014 – 95%, 2013 – 96%, 2012 – 95%
  • Life claims history: 2016 – 100%, 2015 – 100%, 2014 – 100%, 2013 – 100%,2012 – 100%, 2011 – 100%, 2010 – 100%

Future-proofing

  • Permanent indexation option – clients are offered the option to index every year no matter how many times they’ve cancelled and/or declined this option (no further underwriting)
  • Continuing cover – for the non-claimant (no further underwriting)
  • Guaranteed increase options – extensive and generous (no further underwriting)
  • Cover Reinstatement Option – after-claim cover

There for you

  • An invaluable service provided via Red Arc – to include emotional, practical and therapy support
  • Available throughout the life of the plan and not just at claim stage
  • Available on all of our standalone life cover plans and our Critical Illness plan
  • For the applicant, life assured, spouse/partner and children
  • 2nd medical opinion – UK face to face

How to apply

  • Online – an easy to use service where you can quote, apply (for multiple policies), view pipeline and issue cases
  • Paper – if you’d prefer to apply in paper you can do that too
  • Tele-interview underwriting – you tell us who your clients are and what they are applying for and we’ll gather their medical disclosures

Whichever option you choose, we pay the same commission

High Net worth Service

Our high net worth service is designed to smooth the application process for large cases by:

  • prioritising the underwriting
  • giving you a personal service with dedicated contacts on our underwriting and new business teams
  • keeping you informed from start to finish.

You will be allocated to a dedicated underwriter who will prioritise your cases and ensure prompt responses at each step. You can contact your underwriter directly for both pre-sale enquiries and ongoing case support.

Training Support

We hold regular webinar training support the details of which can all be found on our website.

PROTECT Resources

Here is the link to our PROTECT RESOURCES website page where you’ll find everything you’ll need in terms of literature, sales aid and adviser tools: https://www.oldmutualwealth.co.uk/Adviser/platform-and-products/protection/