RBS Life Protector

Full product details for the RBS Life Protector life insurance policy, including application criteria, policy details, cover, funds, guaranteed insurability, premiums & fees, claims, exclusions and conditions.

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RBS Life Protector Features & Benefits

Type of Cover	Life Protector
Life Insurance Type	Level Term Life Assurance
Minimum Age	18 years
Maximum Age for New Cover	54 years
Age Cover Expires	69 years
Max Life Cover	£300,000
Maximum Term	40 years
Maximum Child Age	17 years
Single Life Cover	yes
Joint Life First Death Cover	yes
Joint Life Cover with Seperate Benefits	no
Whole of Life Cover	no

Application Criteria

Permanent UK Resident

yes

This product is only available to individuals who are permanent UK residents.

Available Direct

yes

This product is available direct from the provider.

Minimum Age

18 years

The minimum age at entry is 18 attained.
How does the plan work?
Minimum age at entry is 18 and the maximum is 54.
About you and your application
To apply online, everyone to be covered must meet the following:
- Is a UK resident.
- Aged between 18 and 54 on the day of application.
- Is not currently seeing their GP or any other doctor for any regular check-ups or under the care of any hospital or clinic as an outpatient.
- Is not intending to seek or awaiting any medical advice or treatment from any doctor, hospital or clinic, or awaiting any tests or investigations.
- Has not in the last 10 years had or received medical advice for any of the following illnesses, or been referred for tests or investigations for the following conditions:

- Raised blood pressure.

- Raised cholesterol.

- Heart attack, chest pain or any other heart condition.

- Stroke, epilepsy or any disorder affecting the brain.

- Any form of cancer.

- Diabetes.

- Kidney disease.

- Liver disease or alcohol problem.

- Multiple sclerosis, any numbness nor loss of feeling, blurred or double vision.

- Anxiety, depression or any mental or nervous illness lasting for more than 3 months or requiring treatment with anti-depressants.

- Has not ever tested positive for HIV/AIDS or Hepatitis B or C and is not awaiting the results of such a test
- Is not employed in any of the following occupations Offshore fishing. Offshore oil or gas production. Commercial diving. HM forces (including reservists or TA) or any occupation involving the use of explosives or working at heights over 15 metres (50 feet).
- Has not had a life policy application postponed, declined, withdrawn or issued on special terms.

Maximum Age for New Cover

54 years

The maximum age at outset is 54 attained for short proposals.
How does the plan work?
Minimum age at entry is 18 and the maximum is 54.

Minimum Child Age

30 days (1 month)

The minimum age for a child to be covered is 30 days.

Maximum Child Age

17 years

The maximum age for a child to be covered is 17 attained.

Cover for Expats

The plan is only available to UK residents.

Cover for Foreign Nationals

yes

The plan is available to foreign nationals resident in the UK.

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