Skandia Protect (Rolling term)

Full product details for the Skandia Protect (Rolling 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 (Rolling term) Features & Benefits

Type of Cover	Skandia Protect (Rolling term)
Life Insurance Type	Level Term Life Assurance
Minimum Age	16 years
Maximum Age for New Cover	85 years
Age Cover Expires	Unlimited
Max Life Cover	£4,100,000
Maximum Term	Unlimited
Single Life Cover	yes
Joint Life First Death Cover	yes
Joint Life Cover with Seperate Benefits	yes
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	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 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 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	The plan is 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. Cover Reinstatement Option Skandia Protect offers the opportunity to apply for 'after-claim cover' following a claim, using the cover reinstatement option (CRO). It is available at an extra cost and only when the client applies for Skandia Protect. This option is available for: - life cover with total permanent disability benefit. ..with or without any optional benefits.* This option is available to clients for lives assured below age 66* whom Skandia accepts on standard terms and for some who are accepted on rated terms. For joint life first death/event policies, clients can choose the option for one or both lives assured. Clients can apply for the after-claim cover, provided the life assured is below age 66 at the time of the request.

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