Skandia Protect (Fixed Term)

Full product details for the Skandia Protect (Fixed Term) life insurance policy, including application criteria, policy details, cover, funds, guaranteed insurability, premiums & fees, claims, exclusions and conditions.

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Skandia Protect (Fixed Term) Features & Benefits

Type of Cover	Skandia Protect (Fixed Term)
Life Insurance Type	Level Term Life Assurance
Minimum Age	16 years
Maximum Age for New Cover	85 years
Age Cover Expires	100 years
Max Life Cover	£10,000,000
Maximum Term	50 years
Single Life Cover	yes
Joint Life First Death Cover	yes
Joint Life Cover with Seperate Benefits	yes
Whole of Life Cover	no

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Application Criteria
Permanent UK Resident	yes	This product is only available to individuals who are permanent UK residents.
Available Direct	no	This product is not available direct from the provider, but may be available from a broker or other intermediary.
Minimum Age	16 years	The life assured must be aged 16 or over at outset. The person who owns the policy must be at least 18 years old.
Maximum Age for New Cover	85 years	The maximum age at entry for life cover is 85 attained. For joint life, first event applications, both lives must be within these age ranges at the start of the insurance.
Cover for Expats	no	Plans are not available to UK expatriates. Residency outside the UK When a Skandia Protect policy is applied for, the applicant (and the life assured, if different), must be resident in the UK. If the life assured later moves abroad, this may affect any total permanent disability and premium protection, depending on the new country of residence.
Cover for Foreign Nationals	yes	The plan is available to foreign nationals, provided that they have a right to be permanently resident in the UK. Residency outside the UK When a Skandia Protect policy is applied for, the applicant (and the life assured, if different), must be resident in the UK. If the life assured later moves abroad, this may affect any total permanent disability and premium protection, depending on the new country of residence.
Max Age for Life Cover Buy-Back	65 years	The maximum age for life buy-back is 65 attained.