The Exeter

The Exeter’s purpose is to provide more people with more peace of mind in a more uncertain world. Their products and services reflect the same high standards you deliver to your clients. At every contact point, whether that’s by phone or online, they reflect their expertise and commitment, giving clients more choice and flexibility.

Products

The Exeter’s award-winning proposition provides you with a range of products to meet your clients’ needs. What makes them different:

Income protection

Income First provides income protection for a wide range of occupations, from office-based professionals to manual workers and skilled trades. Income First is also available as part of their multi-benefit offering alongside their life insurance product, Real Life.

Why Income First? 

• Level premiums available for all occupations with a four week or longer waiting period
• Assess claims against your client’s own occupation regardless of what they do for a living and how long their claim lasts
• Option to fix 100% of your client’s monthly benefit, up to £7,500 per month
• No routine medical evidence for clients below age 42

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Life insurance

Real Life provides life insurance for more of your clients, from those with minimal pre-existing health conditions right through to those with serious or multiple medical conditions. Real Life is also available as part of their multi-benefit offering alongside their income protection product, Income First.

Why Real Life?

• Available as joint or dual life policy, offering more flexibility for your clients
• Beneficiary Nomination option for clients to select who they would like to receive their benefit without the need for a trust
• A forward-thinking joint life separation option to ensure clients are protected after relationship breakups
• Can rate up to 600% meaning we can offer cover to more people

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Protection Portal

With their protection portal, you can get instant pre-sales underwriting decisions for most cases as well as quote and apply for income protection and life insurance. You can also offer your clients income protection and life insurance under one plan, with one monthly payment for your clients.

Support for your clients

The Exeter’s members and their immediate family get free access to HealthWise, their app giving convenient access to expert medical advice and treatments, including:

• Unlimited Digital GP appointments
• Expert second medical opinions
• Physiotherapy*
• Mental health support*
• Lifestyle consultations
• Nutrition consultations
• Registered dietitian consultations
• An annual health MOT (for policyholders only)
• Repeat NHS and private prescriptions

​​​​​HealthWise is provided by Square Health.

*Access to physiotherapy and mental health support is only available with health insurance and income protection policies.
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To support you in your client conversations, you have access to all the tools and resources you need to discuss protection with your clients, including:

• Income risk calculator
• Revising protection tool
• Suitability letter editor
• Client approach email wording
• Sales aids, research and insights

Life Insurance

• Medical limits tool
• Suitability letter editor
• Guide to beneficiary nomination
• Guide to trusts

• Sales aids, research and insights

Or The Exeter’s adviser knowledge centre contains a wealth of useful content to help you with your CPD learning with access to:

• Research reports
• Webinars
• Insights
• Videos
• Product literature

Visit the knowledge centre

Contact our experts
You can expect personalised support and a better understanding of your business with your dedicated new business contact. 

Your dedicated new business contact is here from the moment you hit apply to the policy going live, while your Account Managers remain on hand to help you with product education and identifying new opportunities. 

If you don’t know who your dedicated contact is, you can find their details in The Exeter’s protection portal or email on [email protected].