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

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 – helping employee’s getting back to work!

This doesn’t explain some of the key features & benefits of the different Life Insurance & protections providers. Moreover 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 Aegon

  • Health Assured – This is a 24hr health and wellbeing service which gives access to confidential support and guidance of a wide range of issues.
  • Whole of Life – Free cover – Up to £1 million, or the sum insured (whichever is lower) for up to 90 days for clients under the age of 70.
  • Relevant Life Unique Trust – For relevant life, we allow clients to specify that they do not have to appoint a corporate trustees. This is important for one man band limited companies, where the client would ultimately be the corporate trustee. Completion is over the phone on application no forms to sign.
  • Pre-completion benefit Free cover is available if you have life protection, reducing life protection, life with critical illness protection or reducing life with critical illness protection and you’re taking out cover to protect your mortgage and the insured person has been accepted on our standard premiums and policy terms It provides you with protection cover while you’re waiting for your property purchase to complete. The maximum amount of free cover available will be the lowest of:
  • • The benefit amount applied for;
  • • The mortgage amount; or
  • • £500,000
  • If free cover is offered on a life protection benefit, we can also offer free cover on critical illness protection, reducing critical illness protection and/or total permanent disability protection.
  • The amount of free cover on these benefits can’t exceed the amount of free cover on the life protection benefit. This means that free cover won’t be offered if there’s only critical illness protection or critical illness with total permanent disability on your policy.

    Critical Illness Specific Benefits   

  • Children’s Critical Illness This is subject to an
    overall limit of the lower of £25,000 or 50% of the benefit amount per
    child, per insured person. We’ll pay £5,000 on the death of any child of
    an insured person in recognition of the financial impact of the child’s
    death on the insured person
  • HospitalisationHospitalisation due to an accidental injury
    for 28 or more consecutive days – £5,000 pay-out.
     
  • Critical Facture Cover Critical fracture cover of
    specified bones – £1,500
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