Care Cover with Whole of Life Insurance
Why choose AIG
Care Cover benefit
Whole of Life Insurance
Inheritance tax or legacy
Care Cover with Whole of Life Insurance doesn’t have a term − your clients will be covered for the rest of their lives. So it might be the right product for dealing with the impact of IHT on the value of their estates. It can also help if your clients want to leave something behind for their families or pay for their funeral.
Writing your client's policy into trust
If your clients want to put their policies into trust, we’re on hand with example trust documents. This legal arrangement could ensure that money paid out for a claim goes straight to the people it needs to. It could also speed up death claim payments and help mitigate Inheritance Tax liabilities.
We can’t advise on whether putting any policy into trust would be the right thing to do for your clients and recommend they take professional legal and tax advice. Here’s our guide to explain how trusts work with AIG policies.
Additional benefits of AIG
Our Claims Support Fund
We offer a discretionary fund of up to £500 towards services such as travel costs and wigs after cancer treatment – all to help your client and their family cope with a serious illness.
Waiver of Premium
Smart Health
From on-demand consultations with UK based GPs, to Best Doctors - the expert case management service with the world’s top medical specialists, our Smart Health service is a convenient way to connect your customers to tools that help them to manage their health and wellbeing from anywhere in the world, 24/7.
Smart Health is a non-contractual benefit that could be changed or withdrawn in the future.
Waiver of Premium is available for clients who purchased their policy when aged 54 and below. This cover ends when the person reaches their 70th birthday.
Literature and support materials
Care Cover with Whole of Life - Key Facts
This document describes what is covered by Care Cover with Whole of Life Insurance, who can buy it and how it works.
Care Cover with Whole of Life - Cover Details
This explains how the cover works and the terms and conditions for Care Cover with Whole of Life Insurance.