We are delighted to have access to Met Life’s accidental protection policy called EverydayProtect. This policy is not suitable for everyone, so taking advice is key.
This blog explains some of the key features of the Met Life EverydayProtect policy:
Benefits for Broken Bones
- Pays a small lump sum if you accidentally break specific bones*.
- Major bones have a higher payout.
- Minor bones have a lower payout.
*Not all bones are covered.
Benefits for UK Hospital Stays
- Pays a lump sum per 24-hour admission to a UK hospital due to an accident.
- Hospital admission due to sickness is also covered after holding the policy for 12 months.
Benefits for Accidental Permanent Injury
- Pays a lump sum for specific accidental permanent injuries.
- Examples include blindness, deafness, third-degree burns, and paralysis of limbs.
Benefits for Total Permanent Disablement
- Pays a lump sum if you lose the physical ability to do at least 3 of 6 tasks as defined in the terms and conditions.
Benefits for Accidental Death
- Pays a lump sum if you die due to accidental injury.
- Death must occur within 12 months of the accident and be directly caused by the accident.
Benefits for Non-Accidental Death
- Pays a lump sum if you die from a non-accidental cause.
- If the death occurs within the first 12 months of the policy, the premiums will be refunded.
- If the death occurs after the first 12 months, a specified amount is paid.
Is EverydayProtect Expensive?
There are 5 levels of cover.
- The higher the level, the higher the monthly premium.
- The higher the level, the higher the benefit you can receive.
- Met Life have designed their cover to ensure that there is an option to suit every budget.
Who might this cover be for?
- This policy offers guaranteed acceptance for those aged 18 to 65.
- It does not require any medical underwriting.
- Current/previous health conditions ignored.
- For those struggling to secure other types of cover.
Important notes
- This policy type is a ‘pure protection’ product and has no cash-in value at any time.
- If you stop paying the required premiums, the cover will lapse.
- The plan may have other limitations & exclusions.
- Taking professional advice is key.
- We will explain the key facts to you before proceeding.
Want more information?
To speak to an adviser please call us on 01455 63 61 63 or book an appointment. We never charge a fee for protection advice.
https://onerooffinancial.co.uk/contact/
Blog written 26/02/2025
The information contained within this blog was correct at the time of publication (26/02/2025), and is subject to change.
