Many people have never even considered what they’d do if they couldn’t work, but it’s an issue that around one million people in the UK face every year*.

Income Protection is one of the most important types of insurance your clients can buy, keeping their current lifestyles and financial futures safe from the impacts of illness or injury. As many people as possible should have access to insurance, so we’re constantly looking at medical advancements and the wide range of customers we can cover, including former cancer sufferers, those living with diabetes and house persons.

We think it’s important to equip you with the tools you need to aid protection conversations with your clients, so there’s a range of resources to use, from our Income Protection calculator to our dedicated webpage and customer case studies.

*ABI, 2019

Make arranging your clients’ life insurance needs easier with Instant Life Insurance from AIG. With fewer qualifying questions than our standard Term Assurance product and no medical evidence required, the application can be completed in less than eight minutes – perfect for filling out during a mortgage meeting or protection review.

The customer self-apply option can be completed anytime and anywhere by your or your client – whether before work or on a lunch break. It’s a great option for hectic and busy lifestyles that gives an immediate decision on completion.

Our Instant webpage includes our product literature, as well as a handy guide and an overview of how we underwrite this type of cover.

Paying for childcare, adapting a home to new ways of living, settling a mortgage – all things for your clients to consider when planning their financial future. If they lost their main source of income due to illness or injury, covering the bills might not be so easy. Your clients already insure their home, their car and maybe even the family pet, so providing for loved ones should be equally as important. 

At AIG, we’re shaking up the critical illness market.

• Choose flexibility  

Our critical illness cover gives you choices. You can personalise your recommendation to your client’s budget and needs, so start with core critical illness cover and take it from there. Choose from additional options for our broadest ever cover, including our comprehensive children’s option, designed with the family in mind.  

• Choose value

Our Smart Health service, valued by customers at £43 per month¹, is included at no additional cost for all our critical illness policyholders, their partner and their children up to age 21. It connects them to professionals they need – from on-demand appointments with UK GPs, to complex case consultations with the world’s top specialists.

• Choose better customer outcomes

We’ve included umbrella conditions you’ll be familiar with so that they’re simple to explain and easy to understand. We’ve also consolidated over 20 conditions into four impact-based groupings; degenerative neurological disorders, reduced heart function, surgery to the heart, aorta or pulmonary artery, and surgery via the skull. By focusing on specific surgeries or the impact on your clients’ daily lives, not the name of a condition, making for fairer customer outcomes. If the impact is the same, your clients will be covered – whatever the name of the condition.

¹ Source: AIG Life commissioned research, ID Consulting, January 2020: 2000 sample size.

Our Term Assurance product gives your clients the confidence that their families will be looked after in the event of their death. That’s the knowledge that mortgages could be paid off, household bills could be covered or living expenses could be sorted when they’re no longer able to support their family. We think it’s important to give your clients the reassurance they need and cover them against death or terminal illness right up to the last day of their policy.

You may or may not have thought about writing Business Protection (BP) before and we want to let you know writing this type of cover could be much easier than you think. It can help ensure the long term financial health of a business should it face difficult circumstances.

There are 5.9 million businesses* in the UK, so the chances are you already have clients with BP needs. The opportunities to grow your business, whilst helping to protect others, are substantial. Small companies are the least likely to have this type of cover, but are probably the most likely to need it.

And we know that no two businesses are the same, so their protection needs shouldn’t be either. We offer solutions for all businesses – including limited companies, sole traders, partnerships and limited liability partnerships (LLPs).

Despite slightly different structures, the process is the same as writing individual protection, and you don’t need a deep understanding of tax or accountancy to get started. Find out how we can help open up a whole new market for you by exploring our Business Protection webpages and by getting to grips with our Business Protection calculator.

*Gov.uk, 2019

We want to make insurance more accessible. And our dedicated team of underwriters, who hold over 300 years of experience between them, are at the heart of this. They continually improve the way we underwrite, helping more people get the insurance they need. Our pre-sales underwriting lines are open Monday to Thursday from 09.00am - 6.00pm and on Friday from 09.00am - 5.30pm.

Discover our dedicated webpages here.

If you would like to apply for an agency to write business with AIG, you can do so online via Origo. If you’d like some more information on this, just follow the link below – we’ll give you details on the process and what information we require.

MORE INFORMATION

Protection solutions designed for the specialist needs of your clients.

We understand that your clients are looking for the best. As protection specialists, AIG are able to provide the products and service you need to meet their expectations. We’ll work alongside you on large, complex and exceptional cases to provide bespoke cover designed to match the needs of your clients. Our premier service includes senior financial underwriters and a dedicated in-house support team, meaning you can trust AIG to provide product knowledge and customer care that you can rely on.

Read more about the specialist solutions we can offer here.