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Corona Virus / Covid 19 Update (Insurance)

We’re all facing the difficult challenge of responding to the coronavirus (COVID-19) and our hearts and thoughts go out to the people who have been affected by this. Our primary aim is to support our customers at the times when they most need it, and this is unchanged. In this time of uncertainty, we want to provide you with as much information as we can. We’ll continue to update you on our approach as we continue to monitor this difficult, evolving situation.

Please note that we are working remotely and due both ourselves and insurers having been impacted by the virus our speed of service may be affected, please be patient in this unprecedented time.

To assist with any questions you may have, please find a link below to life assurance provider websites for updates with regards to the virus.

Should you require further help or assistance please contact us for assistance at protection@myprotectionexperts.co.uk.

Aegon – https://www.aegon.co.uk/coronavirus.html

AIG – https://www.aiglife.co.uk/advisers/products/individual-protection/coronavirus-individual-qa/

Aviva – https://www.aviva.co.uk/aviva-edit/the-impact-of-coronavirus/

Exeter – https://www.the-exeter.com/news/coronavirus-covid-19/

Guardian – https://www.guardianlife.com/coronavirus

Holloway – https://www.holloway.co.uk/coronavirus

Legal & General – FAQ’s below

LV – https://www.lv.com/coronavirus-update

Royal London – https://adviser.royallondon.com/protection/campaigns/coronavirus-statement/

Shepherds Friendly – https://www.shepherdsfriendly.co.uk/news/novel-coronavirus-covid-19-member-update

Scottish Widows – https://www.scottishwidows.co.uk/contact-us/

Vitality – https://www.vitality.co.uk/media/vitality-opens-up-access-to-telephone-gp-service-during-coronavirus-outbreak/

Coronavirus (Covid-19) – FAQ’s Legal & General

I’m due a medical exam/ nurse screening. What should I do?

We work with Harley Street Doctors and Medicals Direct Group to provide medical examinations or nurse screenings. We’re working together to apply the latest government advice and guidance, whilst appreciating that you may not wish to have face to face contact. At this time the process remains unchanged and they’ll contact you to arrange an appointment. To safeguard our staff they’ll be asking you;

  • if you’ve travelled to an identified high-risk area in the last 14 days.
  • if you’ve been in close contact with someone with COVID-19
  • if you think you have COVID-19

Will Harley Street Doctors & Medicals Direct Group be diverted to deal with treating COVID-19?

Currently both Harley Street and Medicals Direct are not being used to support the NHS; however we’ll continue to monitor this position.

What happens when you require a report from my GP?

We obtain medical evidence on a small number of applications where necessary. We appreciate the NHS are experiencing unprecedented challenges currently, which might cause a delay in receiving these reports.

Do I need to chase my GP?

We’re aware that some surgeries are unable to complete GP reports and are asking insurers not to chase them up at this time. While we haven’t experienced this ourselves, we’ll continue to monitor this closely and try to reduce any impact as much as we can.

How are you considering your employees?

Steps have been put in place to safeguard our staff. There are travel restrictions in place and following successful continuity testing we’ve now advised all employees who are able to, to work from home.

Please remember, you can access all of your documents on My Account including updating direct debit and contact details, simply visit https://myaccount.landg.com/ or alternatively speak to your financial adviser.

Will COVID-19 affect me taking out a policy?

Our underwriting philosophy has not changed in light of COVID-19, and we’ve made no changes to our questions, we’ll keep this under constant review. As always please answer the questions on our application form accurately. If you’re experiencing any COVID-19 symptoms or waiting on test results we will postpone your application until you’re recovered or have the results.

Can I claim for COVID-19?

  • Bereavement

In the unfortunate event that COVID-19 leads to a claim, we’ll approach this as we normally would. Please refer to your policy documents for information on what would be a valid claim, including any exclusions that may apply to your policy.

  • Critical Illness Cover

Coronavirus isn’t a specified critical illness under the terms of our policy. In the unfortunate event that you were to develop a critical illness that we cover as a result of Coronavirus, we would approach this claim in the same way as we would usually. For more details of your policy please refer to your policy documents.

  • Income Protection Benefit

People may be off work due to self-isolation without necessarily experiencing symptoms. Our product terms state that individuals would need to have a medical condition to qualify under the income protection Terms and Conditions. However, we will consider the medically advised 2 week period of self-isolation as counting towards any work absence, even if the coronavirus (Covid-19) has not yet been diagnosed.

Will you exclude COVID-19 in any new plans being taken out?

We have no current plans to apply an exclusion or to change our current underwriting approach. We’ll continue to monitor the situation as it develops.

I’m over 70 and need life cover, what can I do?

We haven’t changed our application process in light of COVID-19. Provided you answer the questions on our application form accurately there may be products suitable for your needs. If you’re unsure we recommend you speak to a financial adviser.

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