Golden Rock Solutions give free independent advice for families & Industry about the choices on Life insurance, critical illness cover, income protection, whole of life insurance and inheritance tax proofing solutions. This means we get easy application process, better end pricing and much more 

Working with businesses to support their protections needs, it can include Relevant life insurance, Keyman protection, Executive Income Protection. This also includes Group Insurances where the company as a workforce can be protected with one policy like: Group Life insurance, Critical illness and Income protections available with EAP (Employment Assistance Programmes – helping support employee’s back to their work!

An online price from a comparison site doesn’t explain some of the key features & benefits of the different Life Insurance & protections providers. Nor does this explain the “end cost or premium”, application process or how quick the protection can be in force. This because all Life Insurance companies are all different its not just a unit cost!

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:

  • Scottish Widows Care – No extra cost, comes as standard with all Scottish Widows Protect policies
    • Available from day 1, there is no need to claim on a policy in order to use the RedArc service
    • Extends to the clients immediate family (partner and children), providing support not just for the policy holder
    • Dedicated Personal Nurse Adviser ensuring a consistent and supportive service, build a relationship with clients and providing piece of mind.
    • Valuable Second Medical Opinion Service (through Healix Health Services)
    • Covers Pre-Existing Medical Conditions, RedArc do not exclude pre-existing conditions so your client can call and speak to a qualified nurse about conditions they have had prior to taking out a Scottish Widows Protect policy
    • No Claim necessary, RedArc can be utilised from the day your clients policy goes on risk
    • Provides practical and emotional support for a number of issues including, bereavement, mental health, second medical opinions, after hospital treatment, therapy etc.
    • All nurses are qualified, and RedArc have specialist nurses to support clients regardless of their circumstances

      Price Lock Guarantee For a period of 12 months Scottish Widows guarantee your clients premium will not increase, providing the client’s health does not change, whilst waiting on the cover going on risk

    • You have 90 days to place your clients policy on risk, if the policy is not on risk, a declaration of continued good health is required to extend the price lock guarantee for a further 90 days
    • Duty of disclosure – If your client does suffer an illness within the 90 day period, Scottish Widows do not need to be informed, the policy can be placed on risk
    • Claim Support Scottish Widows have operated an emergency claims process to aid families meet funeral bills since before 1986 and had a £50k limit since 1999 although we do suggest people access no more than £16k as amounts above this have implications for accessing means-tested working age and pension age welfare benefits. Our model became the blueprint for the ABI Statement of Best Practice on emergency claim payment in 2011.

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