Skipton Family Protection Plan

Full product details for the Skipton Family Protection Plan life insurance policy, including application criteria, policy details, cover, funds, guaranteed insurability, premiums & fees, claims, exclusions and conditions.

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Skipton Family Protection Plan Features & Benefits

Type of Cover	Family Protection Plan
Life Insurance Type	Level Term Life Assurance
Minimum Age	17 years
Maximum Age for New Cover	78 years
Age Cover Expires	79 years
Max Life Cover	Unlimited
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

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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	17 years	The minimum age at outset is 17 attained. If the policy is for someone under the age of 18 then it must be taken out in trust by someone over the age of 18.
Maximum Age for New Cover	78 years	The maximum age at entry for life cover is 78 attained, if no indexation is selected (minimum term is 1 year without indexation). The age at entry for life cover is 77 attained if indexation is selected (minimum term is 2 years if indexation is chosen). The Level Term Assurance Plan has a minimum term of 1 year, and the plan must end before age 80. If a one year term is chosen, terminal illness cover does not apply.
Minimum Child Age	30 days (1 month)	To be covered, a child must be aged over 30 days and less than 18 years.
Maximum Child Age	17 years	The maximum age for children's critical illness cover is age 17 attained. Children's critical illness cover To be covered, a child must be aged over 30 days and less than 18 years.
Cover for Expats	no	Not available.
Cover for Foreign Nationals	yes	Plans are available to foreign nationals resident in the UK. Residency requirements For an EU citizen who intends to remain in the UK, applications can be considered, subject to normal underwriting rules and exclusions. Non-EU citizens will be considered if they can prove they have to right to remain in the UK indefinitely. If they only have limited leave to remain, then the application can be considered for the duration of their stay, subject to the Legal and General minimum term applying.