Life Assurance at Anything Direct

ANYTHING-DIRECT Insurance Service

DEDICATED TO BETTER VALUE

ANYTHING-DIRECT LIFE ASSURANCE PRODUCTS

UNDERWRITTEN BY CROWE LIFE AT LLOYD’S

INTRODUCTION

In today’s world most Life Assurance products are only available to people who have bank accounts. You can either pay annually by cheque or monthly by direct debit.

Anything-Direct life assurance is different because it offers a third option. Your monthly premiums can now be paid in cash through your local post office.

Payment Options how your Life Assurance can be paid:-

1) Annually by cheque (or Postal Order)

2) Monthly by Direct Debit

3) Monthly by cash (through your local post office)

ANYTHING-DIRECT
UNIT LIFE PLAN

Simple life cover, offered on an annually renewable basis and designed to provide the highest possible protection, at the lowest possible price, for your dependents.

Units of £10,000 may be purchased (you choose the figure best suited to you and your family's needs).

This is effective life assurance designed to protect the family (your dependents) in the event of your death. Once your application has been accepted no further proposal forms will need to be completed. As long as premiums are paid on time your Insurance Plan will continue until the age of 65. You can, of course, cancel cover at any stage if you so wish.

How do I obtain cover?

Obtaining cover could not be easier. Simply download the proposal form and then return it to us by post or fax. Confirmation of cover will be confirmed in writing (subject to our underwriting requirements) within five working days of receipt.

How do I pay for cover?

Premiums can be paid monthly by direct debit or cash (through the post office) or annually by cheque or Postal Order.

How much cover can I have?

The maximum benefit available (dependent on age) is £150,000 and is offered in units of £10,000.

	Age	Maximum level of cover
	Up to age 40	£150,000
	41-50	£100,000
	51-60	£ 60,000
	61-65	£ 40,000

How much premium will I pay ?

The premiums shown below are monthly for units of £10,0000.

To work out a premium simply use the following calculation

Paying monthly by direct debit ... or by cash

monthly premium x number of units

e.g. The monthly premium for a male (non-smoker) aged 35 requiring £120,000
(i.e 12 units) of life cover will be:-

£9.96 (£0.83p x 12).

Paying annually by cheque

Monthly premium x number of units x 12

e.g. The annual premium for a female (smoker) aged 45 requiring £100,000
(i.e 10 units) of life cover will be:-

£216.00 (£1.80 x 10 x 12).

Age Bandings	Maximum sums assured allowed	Male Non-Smoker	Male Smoker	Female Non-Smoker	Female Smoker
Up to 40	£150,000	£0.83	£1.25	£0.72	£1.07
41-50	£100,000	£1.79	£2.69	£1.20	£1.80
51-60	£ 60,000	£3.87	£5.81	£2.69	£4.03
61-65	£ 40,000	£5.36	£8.04	£4.17	£6.26

Please note that the minimum premiums for paying by direct debit or cash are £8.00 per month.

This plan is annually renewable and your premium will increase when you reach the next age band. The premium rates shown may be subject to change during the life of your plan.

To download a proposal please click below. If you wish to pay annually please enclose a cheque or Postal Order for 12 months premium, made payable to Anything-Direct Insurance Services. If you wish to pay monthly please tick the appropriate box (i.e. Direct Debit or Cash) on the proposal form.


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