Customise your plan with our additional cover and options
As well as Life Cover, Serious Illness Cover and Income Protection Cover, we also offer extra covers and options so you can tailor your plan to suit you. You can add or remove these from your plan any time.
Accelerator
You might need cover most at a time when money is tight - for instance, if you've just bought a house or had a child. It's important that you get the right amount of cover, even if you're on a budget. Accelerator can help you do this.
When you first take out cover, we reduce your premiums by up to 23%. After that, your premiums rise by 3% each year to make up for the low start. You can change to fixed premiums at any time. And if you've got a PruProtect Plan, you can even keep your premiums low by using our Vitality programme to live a healthy lifestyle.
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Family Income Cover
Family Income Cover helps you look after your family's living costs if something happens to you. You can take it out alongside Life Cover, Serious Illness Cover or Income Protection. There are two levels of cover to choose from: Primary Cover, or Comprehensive Cover, which comes with some extras.
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Education Cover
Education Cover is designed to make sure that your children don't have to miss out on any part of school life, even if something happens to you. If you die we'll pay a range of benefits for each child on your plan, to help cover the costs of their education. You can even choose cover that will pay if you become seriously ill.
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Health Cover and Health Cover Optimiser
Get the treatment you need for a wide range of acute conditions at first-class hospitals.
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Optional Serious Illness Cover for Children
Get a lump sum of up to £100,000 if your child suffers from one of the serious illnesses we cover.
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Disability Cover
Protect yourself from the financial impact of disability. We can cover anything from temporary disabilities to severe disabilities that last for the rest of your life.
Whole of Life
Get Life or Serious Illness Cover that lasts as long as you need it ? not just until the end of your term.
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Minimum Protected Account
Top up your Serious Illness Cover after you?ve claimed some of it, without being assessed again.
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Protected Life Cover
Make sure the value of your Life Cover stays the same, even if you make a Serious Illness Cover claim.
Indexation Option
Make sure your cover increases each year to match the rising costs of living.
Guaranteed Insurability Option
Increase your cover if your life changes in specific ways ? for instance, if you have a child or become a homeowner ? without giving more information about your health.
Waiver of Premiums
Choose from Waiver of Premium on Incapacity, Serious Illness or Death.
