Flexible benefits

All our Flexible benefits technical information in one place.

Find out how our Flexible Benefit policies work, including who can be covered, how to go on risk and what’s covered.

Flexible benefits

Who can we offer flexible benefits to?

What flexible benefits can we offer?

Benefit selections and increases allowed

Voluntary life benefits

Requirements once flexible benefits have been selected

What we need to provide a flexible benefits quotation

Critical Illness claims guide

Income Protection claims guide

When can the policy be cancelled?

Adding new members and cover ceasing

Making changes to a flexible benefits policy

Please note. The content of this web site shows the most up to date terms and conditions. Existing policyholders should be aware that these terms may not match those of your current policy. In the event of any differences between the website and the terms of your current Policy, the terms of your current Policy will apply. The following documents do not apply to the Class product.

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Next steps

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