Golden Rock Solutions and our Nottingham based team give families and business owners access to free independent advice around Life insurance, critical illness cover, income protection, whole of life insurance and even inheritance tax proofing.

Working with industry providing business protection including Relevant life insurance, Key man insurance, Executive Income Protection. This also includes Group Insurance where the company at large can be protected with Group Life insurance, Critical illness and Income protections available with EAP (Employment Assistance Programmes – This help’s employee’s getting back to work boosting profitability!

This doesn’t explain some of the key features & benefits of the different Life Insurance companies. Nor the premium, application process but hints the Life Insurance companies are all different!

To get Free advice to get more out of Life Insurance for you, your family your business and the important things Please get in touch

This blog discusses some of the benefits with Royal London

  • Helping Hand Available on all contracts at no extra cost. Customers have this from the start of their policy and can use throughout their plan unlike Red Arc in which there is a 12 months qualifying period. It offers telephone emotional care and guidance and is provided by individually-assigned trained nurse advisers who can refer customers on for more practical help (physiotherapy etc.) if required.
  • A Dedicated Nurse
  • Available to talk to your client over the phone whenever they need
  • Will take the time to understand your client’s situation and their diagnosis or condition
  • Will develop a personal support plan tailored to their circumstances
  • Support them every step of the way and for as long
  • Examples of Additional Support Services

    • Second medical opinion
    • Arrange specialist support to help someone cope with cancer
    • Cardiac rehabilitation support after heart attack
    • Specialist speech and language therapy
    • Counselling for a wide range of issues including coping with the loss of someone
    • Practical help at home
    • Help for carers
    • Extra information such as medical factsheets
    • Home visit from a healthcare specialist

    • Why your clients might use it

      Income Protection Specific Benefits:

    • Hospital payout – If a client is hospitalised for more than six consecutive nights during their deferred period, we’ll pay £100 per night, for up to 90 nights during the term of their cover. If we’ve started paying a claim and they’re discharged from hospital, then readmitted for the same cause, we’ll restart their payments
    • Back to work cover When your client is ready to go back to work, and we’ve stopped making their Income Protection payments, we know they might have some additional expenses. That’s why we give clients with deferred periods of 13, 26 and 52 weeks a payment in their first and second months back at work. The amount they get depends on their cover payment period.
    • Fracture cover – If a client suffers a fracture, we’ll pay up to £4,000 per claim to help with their recovery. The pay-out they receive depends on where the fracture is. We cover multiple fractures in the same claim – and a client can make up to two fracture claims in a 12 month
    • 18 specific fractures covered
    • Automatically included free with Income Protection
    • Multiple fractures covered in the same claim, up to a £4,000 limit
    • Up to two claims in each 12 month period
    • No standard exclusions for specific amateur sports or hobbies

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