Protection Options
Helping you prepare for the future from as little as £10 a month with insurance options that suit your needs when protecting yourself and your loved ones.
There’s no way of knowing what's ahead, but you can take steps to be financially protected. We want to help you ensure that your family are financially covered, and our choice of Personal Insurance and Mortgage Protection can offer you just that.
What is Personal Insurance?
Personal Insurance is a protection Plan that offers you cover against death, critical illness, terminal illness and your income against incapacity due to illness or injury.
What is Mortgage Protection?
Mortgage Protection is a protection Plan to repay an outstanding mortgage or loan when faced with death, critical illness, terminal illness and permanent disability.
Your insurance options for Personal Insurance and Mortgage Protection
Life Benefit
Providing you cover in the event of death or a terminal illness. Available for Personal Insurance and Mortgage Protection.
Learn more✔ Premature death and terminal illnesses cover
✔ Cover provided for minimum of 5 years up to age 85
✔ Optional extra of Waiver Of Premiums
✔ Personal Financial Advice face-to-face or video appointments
✔ Your claim payment is tax-free and will be paid by lump sum or with the option of annual income for Personal Insurance
✔ Additional options for Mortgage Protection - single or joint cover and level or decreasing term
✔ Guaranteed option to increase cover as your circumstances change
Critical Illness
Provides cover for total permanent disability and critical illnesses. Available for Personal Insurance and Mortgage Protection.
Learn more✔ Critical illness and total permanent disability cover
✔ Cover provided for minimum of 5 years up to age 65
✔ Optional extra of Waiver Of Premiums
✔ Personal Financial Advice face-to-face or video appointments
✔ Your claim payment is tax-free and will be paid by lump sum or with the option of annual income for Personal Insurance
✔ Additional options for Mortgage Protection - single or joint cover and level or decreasing term
✔ Guaranteed option to increase cover as your circumstances change
Combined Life and Critical Illness
Provides cover for either death, critical illness and permanent disability. Available for Personal Insurance and Mortgage Protection.
Learn more✔ Death, terminal illnesses, critical illness and total permanent disability cover
✔ Cover provided for minimum of 5 years up to age 65
✔ Optional extra of Waiver Of Premiums
✔ Personal Financial Advice face-to-face or video appointments
✔ Your claim payment is tax-free and will be paid by lump sum or with the option of annual income for Personal Insurance
✔ Additional options for Mortgage Protection - single or joint cover and level or decreasing term
✔ Guaranteed option to increase cover as your circumstances change
Income Protection
Protecting your income against long-term incapacity from an illness or injury. Available for Personal Insurance only.
Learn more✔ Incapacity due to illness or injury cover
✔ Cover provided for minimum of 5 years up to age 65
✔ Waiver Of Premiums included
✔ Personal Financial Advice face-to-face or video appointments
✔ Your claim payment starts after a suitable deferred period (3, 6 or 12 month options) and are paid tax-free as an annual income
What is Waiver Of Premiums?
If you are not in a high-risk occupation you can choose to have Waiver Of Premium cover when you apply for your Plan. This pays your premiums if you are unable to work due to incapacity. So, you can continue to cover yourself whilst you recover.
If you choose this cover, we’ll pay your premiums after six months of incapacity and continue to pay them until the first of these events: you recover and are no longer incapacitated, your 65th birthday, your cover ends or should you die.
What is a level or decreasing term?
Depending on how you are repaying your mortgage you can choose to have your cover on a level (same amount throughout) or decreasing (pay less as the mortgage reduces) basis.
If you choose level cover the amount of your benefit will remain the same throughout the term of your Plan. You should normally consider this option if you have an interest only mortgage.
If you choose decreasing cover the amount of your benefit will reduce each year during the term of your Plan. You should normally consider this option if you are repaying your mortgage by regular instalment over the loan period.
Doing more for you
And those you love
Supporting you after a claim
You can’t emotionally prepare yourself to cope with a life-limiting illness and there is no manual on how to deal with the loss of a loved one. Whilst we can’t change these events, our protection products offer a Peace of Mind service.
This specialist advice service is staffed by experienced nurses who are on hand to provide expert help and guidance should the worse happen. Additionally a partner and children have access to bereavement counselling service, with up to six sessions at no additional cost.
Free will writing service
You can protect your family further with free personalised online document preparation, where you can create a Will, Power of Attorney, and healthcare directives from the comfort of your own home.
As a member you will have access to this and additional member benefits, such as giving back to the community you live in through volunteer granting applications, joining or even organising Family Fun events, as well as the option for you or your children to apply for a Scholarship and more.
The Peace of Mind service and Foresters member benefits are not regulated and non-contractual nor are they part of the Protection Plan Terms and Conditions. They may be subject to specific eligibility requirements, and they may be amended or withdrawn at any time without notice.
How do I get an insurance quote?
For further information on our protection options, you can speak to one of our Financial Advisers. They’ll explain how they work, which level of cover may be most suitable for you and provide an insurance quote. Fill out our form to request an appointment with one our Advisers. There is no charge for protection advice.