Legal & General has introduced two optional protection benefits for customers available exclusively through intermediaries – fracture cover and private diagnostics.
Both can be purchased as an add-on when taking out one of Legal & General’s core protection products – life insurance, life with critical illness cover, income protection and rental protection – and will be managed via the Trustedoctor portal.
L&G’s Umbrella Benefits also includes access to wellbeing support and rehabilitation support services for income protection customers only.
The fracture cover supports 31 different injuries and pays out if policyholders sustain a specified break, fracture, rupture, tear or dislocation and can be claimed on multiple times.
It insures 20 different fractures, nine different joint dislocations, achilles tendon ruptures and knee ligament tears and covers multiple claims in a 12-month period.
The benefit pays out up to a maximum of £7,500 in any policy year depending on the seriousness of injury. Claims on fracture cover will not affect a holder’s protection policy.
Private diagnostics gives clients access to top UK specialists for serious illness consultations and non-invasive diagnostic testing.
It includes investigations for cancer, cardiac and neurological conditions and works around clients by offering a choice of specialists and more than 100 different test locations, as well as access to preferred UK specialists via the Trustedoctor website or app.
Test results, if needed, are sent directly to the client’s specialist who will then discuss next steps with them and either refer them back into the NHS or their private healthcare provider if they require further investigation or need to start treatment.
Clients will have a dedicated member of the Trustedoctor customer care team throughout their referral and can also have up to four people join them for their virtual consultation.
Both add-ons are arranged through Legal & General Partnership Services and underwritten by Axis Specialty Europe.
L&G’s existing wellbeing support, provided by RedArc Assured across all products, is also automatically included across the core protection product range with rehabilitation support available with income protection only.
Craig Brown, director of intermediary insurance at Legal & General, said: “In response to increased demand for comprehensive and tailored core protection products, fracture cover may provide peace of mind and a financial safety net should an adviser’s client get injured from a fall or accident.
“Meanwhile private diagnostics gives them that all important specialist support when faced with serious illness, gaining access to a specialist quickly.
“Both are available as optional add-ons via intermediaries, enabling intermediaries to offer even more choice through bespoke, personalised options to meet their individual client’s protection needs.”