Semantic Coherence: Assura + Protect – Signal Evidence & AI Readability

[H1] Dividend Life
[H2] Term Life & Multi-Claim Critical Illness Cover

Quick Quote

[H2] Modern Life Insurance with:

[IMG: White plus Assura Protect logo]

Up to 200% Multi-Claim Critical Illness Cover

[IMG: White plus Assura Protect logo]

200% Dual Life Cover

[IMG: White plus Assura Protect logo]

Doctor-on-Demand with 24/7 GP Services

[IMG: White plus Assura Protect logo]

Life Empowered Membership Benefits

[H2] We are Life Empowered

About Us ►

Welcome to Dividend Life ►

[H2] We are Life Empowered

About Us ►
Welcome to Dividend Life ►

[H2] 3 Policy Holder Dividends

Membership Benefits ►

[H3] Multi-Claim Cover

[IMG: Illness Cover]

Up to 200% Critical Illness Cover

[IMG: Navy plus Assura Protect logo]

Up to 3 Critical Illness claims per policy.

[IMG: Navy plus Assura Protect logo]

Total Maximum Benefit of up to 200% of Sum Assured.

[IMG: Navy plus Assura Protect logo]

200% Dual Life Cover.

[IMG: Navy plus Assura Protect logo]

Modern alternative to traditional joint life protection covering both lives not just first.

Multi-Claim Advantage

[H3] Membership Benefits

[IMG: Life Empowered Benefits and Rewards]

[IMG: Navy plus Assura Protect logo]

Annabel Rewards with 300 Retail Partners included.

[IMG: Navy plus Assura Protect logo]

Additional benefits included: a dedicated concierge service and direct access to leading global periodicals.

Benefits & Rewards

[H3] Doctor-on-Demand

[IMG: Health + with Doctor On-Demand]

[IMG: Navy plus Assura Protect logo]

24/7 UK-based virtual GP consultations available.

[IMG: Navy plus Assura Protect logo]

Face-to-face consultations at a time that suits from anywhere in the world.

[IMG: Navy plus Assura Protect logo]

Prescriptions sent direct to chosen pharmacy for collection/delivery.

Doctor-on-Demand

[H3] Policy Dividends are included on all policies. Without additional premium charges, fees or costs.

[IMG: Assura Plus Protect Mobile App]

[IMG: Powered by Annabel]

Powered by Annabel ….Your digital insurance partner.

[H3] Features:

[IMG: Navy plus Assura Protect logo]

Annabel Rewards & Concierge

[IMG: Navy plus Assura Protect logo]

Doctor-on-Demand

[IMG: Navy plus Assura Protect logo]

Newsstand

[H3] Functions:

[IMG: Navy plus Assura Protect logo]

Robo Advisor

[IMG: Navy plus Assura Protect logo]

Policy & Trust Wallet

Say hello to Annabel ►
Annabel User Guide

App Store
Google Play

[IMG: Assura Plus Protect Mobile App]

[H2] Dividend Life Compared

[IMG: Medical Insurance]

Protection value created through …Cover features, policy benefits and competitive premiums.

Select Cover & Quote

[H3] How does Dividend Life Cover, Benefits & Premiums compare to national U.K. life insurers.

For more information please click the “arrow icon” for more information.

Term Life
Assura + Protect
National Life
Insurer 11
National Life
Insurer 21
National Life
Insurer 31

Policyholder Benefits
Comprehensive
None
None
Limited

Retail Cashback / Discounts
Travel Discounts
Healthy Lifestyle Incentives
Gym Discounts
Concierge Services
Global Periodical Access

Gym Discounts
Extended Health Cover
Comprehensive
Limited
Limited
Basic

GP Services - 24/7
Face-to-Face Consultation
Direct Prescription Services

Second Medical Opinion

Lifestyle Support & Counselling Services

Nurse Support
Second Medical Opinion
Lifestyle Support & Counselling Services

Partner Cover
Yes
Yes
Yes
Yes

Partner Cover Type
Dual
Joint
Joint
Joint

Lives Covered
Both
First
First
First

Maximum Benefit
(% of Sum Assured)
200%
100%
100%
100%
Monthly Premiums2

Level Term - Single
£ 10.00
£ 11.92
£ 9.54
£ 12.16

Decreasing Term - Single3
£ 10.00
£ 11.17
£ 10.41
£ 13.48

Level Term - Partner
£ 19.30
£ 20.68
£ 17.90
£ 20.06

Decreasing Term - Partner
£ 12.71
£ 13.47
£ 12.61
£ 14.48

For more information please click the “arrow icon” for more information.

Term Life with Critical Illness
Assura + Protect
National Life
Insurer 11
National Life
Insurer 21
National Life
Insurer 31

Cover Type
Life and Critical Illness
Life or Critical Illness
Life or Critical Illness
Critical Illness Only

Benefit / Claim
Multi
Single
Single
Single

Max # of Claims
3
1
1
1

Maximum Benefit
(% of Sum Assured)
200%
100%
100%
100%
Conditions Covered4
42
37
40
41

Child Cover
Included
Included
Included
Included

Accident Cover
Included
Included
Not Included
Not Included

Partner Cover Type
Dual
Joint
Joint
Joint

Lives Covered
Both
First
First
First

Maximum Benefit
(% of Sum Assured)
200%
100%
100%
100%
Monthly Premiums5

Level Term - Single
£ 30.37
£ 31.05
£ 33.39
£ 44.41

Decreasing Term - Single
£ 21.07
£ 20.83
£ 24.79
-

Level Term - Partner
£ 59.63
£ 56.51
£ 62.24
£ 81.62

Decreasing Term - Partner
£ 41.22
£ 37.64
£ 46.86
-

Notes:
Representative National Life Insurers are selected from top 5 UK Life Insurers by annual policy sales.
Indicative policy pricing for 35 year old / £200,000 Sum Assured / 20 Year Term with no medical loadings derived from publicly available company websites and price comparison websites on May 26, 2023.
Indicative policy pricing for 35 years old / £350,000 Sum Assured / 20 Year Term with no medical loadings derived from publicly available company websites and price comparison websites on May 26, 2023.
Core conditions covered and included as in standard and/or base premiums.
Indicative policy pricing for 35 year old / £100,000 Sum Assured / 20 Year Term with no medical loadings derived from publicly available company websites and price comparison websites on May 26, 2023.

Select Cover & Quote

[H1] Membership Rewards

[H2] Modern Life Insurance with:

[IMG: Assura+Protect]

Up to 200% Multi-Claim Critical Illness Cover

200% Dual Life Cover

Doctor-on-Demand with 24/7 GP Services

Life Empowered Membership Benefits

Explore Membership Benefits ►

Explore Membership Benefits ►

[H3] 300

Retail Rewards Partners across Grocery, Tech, Travel and much more!

[H3] £2500

Targeted annual savings for a family of 4.*

[H3] Zero

No Additional Costs, Usage limits or Premium Minimums for Annabel Rewards.

*2023 Assura internal estimates

[H2] Annabel Rewards

[H2] Say hello to Annabel!

[H3] How your digital insurance partner works.

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Download App to confirm and store your Dividend Life documents.

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Activate Annabel rewards to unlock benefits and rewards.

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Contact Doctor-on-Demand directly through the App.

App Store
Google Play
Annabel User Guide

[IMG: Image of 2 mobile phones showing a preview of the Annabel app interphase.]

[H2] Annabel Reward Partners
[H3] (With many more on the Annabel App)

[IMG: Harrods]

[H3] Harrods
The world’s leading luxury department store, home to over 3,000 brands.

[IMG: Selfridges]

[H3] Selfridges & Co
Luxury department store offering designer collections, premium brands & exotic food.

[IMG: Holland & Barrett]

[H3] Holland & Barrett
Supplying vitamins, minerals, health supplements, specialist foods & natural beauty products.

[IMG: B&Q]

[H3] B&Q
Inspiring ideas, expert support & clever solutions for homes & gardens.

[IMG: New Balance]

[H3] New Balance
Sports clothing, footwear, and accessories designed to cater to everyone.

[IMG: Withings]

[H3] Withings
Smart devices designed to improve your health for the long term.

[IMG: Microsoft]

[H3] Microsoft
Cloud computing, video games, computer & gaming hardware for all.

[IMG: Carphone Warehouse]

[H3] Carphone Warehouse – Rebranded as Currys in 2021
Unbeatable prices on mobile phones across the widest range of networks.

[IMG: Fortnum & Mason]

[H3] Fortnum & Mason
Extraordinary luxury hampers, delicious food, joy-giving gifts, and unforgettable experiences.

[IMG: Iceland]

[H3] Iceland
Buy award-winning products and secure convenient delivery slots.

[IMG: Morrisons]

[H3] Morrisons
Quality food and groceries via supermarkets and online home delivery channels.

[IMG: Morrisons]

[H3] Boohoo
Boohoo Group plc is a United Kingdom-based online fashion retailer, aimed at 16–30 year olds. The business was founded in 2006 and specialises in own-brand fashion clothing, with over 36,000 products!

[IMG: Fortnum & Mason]

[H3] New Look
Whether it’s their women’s, men’s or 915 girls’ and boys’ collections, you can find purse-friendly fashion for everyone at New Look. Another reason to love them? Their Kind styles. More sustainable and friendlier to the planet, these pieces will help you look good and feel it, too.

[IMG: Iceland]

[H3] Odeon
Odeon is the largest and best-known cinema chain in the UK and Ireland. A night at the cinema is always special with Odeon.

[IMG: Morrisons]

[H3] Primark
Primark offers amazing fashion at amazing prices. Adored by fashion fans and value seekers alike Primark is widely established as the destination store for keeping up with the latest looks without breaking the bank.

[IMG: Alton Towers Resort logo.]

[H3] Alton Towers
Come to Alton Towers Resort and prepare for a thrilliant year at Britain’s greatest escape! Whether you’re after pure adrenalin-pumping experiences or family fun, there is something for kids of all ages!

[H2] Doctor-on-Demand

[H2] Digital GP Services – Speak to a doctor online from anywhere in the world

[IMG: Service availability]

Service availability 24/7/365

[IMG: Access from anywhere in the world]

Access from anywhere in the world

[IMG: Appointment available]

Appointment available on average within 6 hours.

[IMG: Unlimited usage allowance]

Multi-Claim Critical Illness policies have unlimited usage allowance subject to fair use

[IMG: Appointment slot duration]

Appointment slot duration 15 minutes, including any wrap up time

[IMG: Consultation summary]

Consultation summary shared with the customer’s NHS GP, either by the consulting GP or the customer

[IMG: Included services]

Included services: e-prescriptions, referral letters and fit notes

D-o-D User Guide

[H2] Our member rewards & benefits

Harrods
[IMG: Harrods]
Harrods
The world’s leading luxury department store, home to over 3,000 brands.
Selfridges & Co
[IMG: Selfridges & Co]
Selfridges & Co
Luxury department store offering designer collections, premium brands & exotic food.
Holland & Barrett
[IMG: Holland & Barrett]
Holland & Barrett
Supplying vitamins, minerals, health supplements, specialist foods & natural beauty products.
B&Q
[IMG: B&Q]
B&Q
Inspiring ideas, expert support & clever solutions for homes & gardens.
New Balance
[IMG: New Balance]
New Balance
Sports clothing, footwear, and accessories designed to cater to everyone.
Withings
[IMG: New Balance]
Withings
Smart devices designed to improve your health for the long term.
Microsoft
[IMG: New Balance]
Microsoft
Cloud computing, video games, computer & gaming hardware for all.
Carphone Warehouse
[IMG: New Balance]
Carphone Warehouse
Unbeatable prices on mobile phones across the widest range of networks.
Fortnum & Mason
[IMG: New Balance]
Fortnum & Mason
Extraordinary luxury hampers, delicious food, joy-giving gifts, and unforgettable experiences.
Iceland
[IMG: New Balance]
Iceland
Buy award-winning products and secure convenient delivery slots.
Morrisons
[IMG: New Balance]
Morrisons
Quality food and groceries via supermarkets and online home delivery channels.

[H1] Multi-Claim Critical Illness Cover

[H2] Modern Life Insurance with:

Up to 200% Multi-Claim Critical Illness Cover

200% Dual Life Cover

Doctor-on-Demand with 24/7 GP Services

Life Empowered Membership Benefits

Multi Claim User Guide

Multi-Claim Video Explainer ▶

Multi-Claim Benefit Calculator ⌨
Multi-Claim Cover Explainer ▶

[H2] Policy Highlights

[IMG: Assura+Protect]

Life and Critical Illness Protection

[IMG: Assura+Protect]

40 Major Conditions & 6 Additional Partial Conditions covered.1

[IMG: Assura+Protect]

Critical illness cover is segmented into five Major Condition categories:

[IMG: Cancer & HIV]

Cancer & HIV

[IMG: Cardiovascular]

Cardiovascular

[IMG: Organ Failure]

Organ Failure

[IMG: Neurological]

Neurological

[IMG: Disability]

Disability

[IMG: Assura+Protect]

Maximum of 3 Major Conditions claims per policy. (To a maximum of one claim for each of the major conditions categories.)

[IMG: Assura+Protect]

Maximum benefit of up to 200% of initial sum assured for Major Condition claims.

[IMG: Assura+Protect]

Additional Partial Covers do not count towards maximum Major Condition benefit payment(s).

[IMG: Assura+Protect]

Any Death Benefit is applied to your 3 Major Condition claims allowance.

[IMG: Assura+Protect]

Multi-Claim Cover is included on all Critical Illness policies, without additional premium charges.

1Full Condition Summary can be found in Dividend Life Policy Guide. Please click the link to download.

[H3] Advantages of Multi-Claim Critical Illness Cover
Modern life requires modern insurance solutions. Modern medicine has both improved the quality of life and dramatically increased the likelihood of surviving a serious illness. Living longer, however, creates its own set of complexities, primarily increased exposure to serious illness later in life.
Traditional critical illness policies, which pay a single lump sum benefit on an initial claim (after which the cover ends), are becoming increasingly ill-suited for modern life.
This has been the catalyst for the development of Assura Protect’s Dividend Life, with up to 200% multi-claim Critical Illness Cover being the simple goal of providing “Better Cover … Longer”.
Cover compared after an initial claim….
Traditional Term Life or Critical Illnessvs.Assura Dividend Life and Critical Illness
Policy ends.
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[IMG: Black circle against a white background with a thin tick in the centre]
Policy continues.
Policyholder life cover ceases.
[IMG: Black circle against a white background with a thin cross in the centre]
[IMG: Black circle against a white background with a thin tick in the centre]
Policyholder life cover remains.
Ineligible for a death benefit.
[IMG: Black circle against a white background with a thin cross in the centre]
[IMG: Black circle against a white background with a thin tick in the centre]
Eligible for a death benefit.

[H3] Benefit & Claim Summary

The benefit amount for the first two successful Major Conditions Critical Illness claims is 75%2 of the sum assured at the time of the Claimable Event (the date on which you are diagnosed with the condition you are claiming for).
The benefit amount for a third successful Major Condition Critical Illness claim is 50%2 of the sum assured at the time of the Claimable Event.
Where a death, terminal illness or total permanent disability claim is related to a Major Conditions Critical illness condition for which we have already paid a claim, the death claim will be paid at 25%2 of the sum assured.
2Please click Benefit Payment Calculator link for benefit payment scenarios.

[H3] Dividend Life Multi-Claim Critical Illness Cover & Eligibility

For both Level Term and Decreasing Term policies, the maximum amount of protection that can be purchased is up to £1,000,000. Your specific amount of cover may vary based on your age, health, and our underwriting criteria.
The maximum term for a Dividend Life Policy is 40 years.
The minimum age you can take out a policy is 18 years old.
The maximum age a policy can be taken out is the day before your 65th birthday.
The latest your policy term can end is the day before your 70th birthday.
Included with your Assura Policy
Guaranteed Insurability Option
Accident Cover
Child Critical Illness Cover
Additional Policy Options3
Dual Life Cover
Total Permanent Disability Cover
3Subject to incremental premium charges.
More information can be found in the Dividend Life Product Guide.

Robo Advisor

Product Guide

** For a comparison of Level Term and Decreasing Term benefit payment scenarios please click here.

[H3] Want to take advantage of Multi-Claim Cover?

Compare Cover

Start Quote

[H1] Contact Us: 0330 010 0210

[IMG: Man an child sitting in front of a brown couch watching TV.]

[H2] Need more information or can’t find the answers in our FAQ’s
[H3] Please contact Assura with any questions or queries – Anytime!

+ Hours
Monday – Friday: 9:30 am – 18:00 pm
+ Telephone
0330 010 0210
+ Email
General Enquiries: info@assuraprotect.comHuman Resources: hr@assuraprotect.comCareers: recruitment@assuraprotect.comCompliance / GDPR: compliance@assuraprotect.comComplaints: complaints@assuraprotect.com
+ Office Location
First Floor, 86 Gloucester Place, London, United Kingdom, W1U 6HP
+ Chat
Chat is Available on the Annabel App
+ WhatsApp Me
+44 7413870114

+ HoursMonday – Friday: 9:30 am – 18:00 pm
+ Telephone0330 010 0210
+ EmailGeneral Enquiries: info@assuraprotect.comHuman Resources: hr@assuraprotect.comCareers: recruitment@assuraprotect.comCompliance: compliance@assuraprotect.comComplaints: complaints@assuraprotect.com
+ Office LocationFirst Floor, 86 Gloucester Place, London, United Kingdom, W1U 6HP
+ ChatChat is Available on the Annabel App
+WhatsApp Me+44 7413870114