Provide your client with peace of mind that should they sustain one of the specified injuries, they’ll be covered – for an extra £5.90 a month.

Fracture cover is there when your client has an unexpected injury, like a slip on the stairs, car crash or a fall outdoors. It’s there to help with the extra costs an injury can cause, such as childcare, travel costs or equipment for mobility.

Available as an optional add on for life insurance, critical illness cover, income protection and rental protection.

 

Why Fracture Cover?

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Available exclusively to advisers

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Clients can make multiple claims per year up to £4,000

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Claims won’t affect your client’s main protection policy

 

 

Features and benefits

 

 

Available on our core products

Add Fracture Cover to your client’s life insurance, critical illness cover, income protection and rental protection.

Comprehensive cover

Depending on the injury, your client will receive a pay out of up to £4,000.

Protects against the cost of injury

Covers 19 types of fractures, 9 types of joint dislocation, Achilles tendon ruptures and knee ligament tears. Please see the Policy Booklet for full details.

Low-cost added value

Available for just an additional £5.90 a month on your client’s policy. Annually renewable.

Multiple claims per year

Pays your client a lump sum if they have a specified injury, including accidents where multiple injuries are sustained at one time or in a 12-month period.

Exclusive to advisers

Only available to those who buy their protection policy through an intermediary.

Fracture Cover

Fracture Cover

Fracture cover is there to help with the extra costs an injury can cause, such as childcare or travel costs. Available for an additional £5.90 a month on life insurance, critical illness cover, income protection and rental protection.

 

 

More Umbrella Benefits

Wellbeing Support

Access included as standard on protection policies. Personalised practical and emotional telephone support from a registered nurse.

 

 

Rehabilitation Support Service

Included as standard with income protection. Supports a quicker return to work, and good physical and mental health.

 

Private Diagnostics

Access some of the UK’s top consultants and diagnostic testing for cardiology, oncology or neurosurgery referrals. Available for an additional £4.50 a month on life insurance, critical illness cover, income protection and rental protection.

Care Concierge

A free telephone service which gives your client and their family access to later life care experts.

Quote and apply with OLP Connect

Submit and track business with our all-in-one pipeline management system.

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Key details

Key details

Minimum cover

Multiple claims per year to a maximum pay out of £4,000.
Available on Joint Life policies

If your client chooses a joint life policy, they can add Fracture Cover for one or both lives insured.
One policy per life insured

Can only be added to one Legal & General policy.
Premiums

Payable monthly, reviewed annually.
Added to personal protection

Can only be added to the policy at the outset.
Can be cancelled at any time

Can be removed from the policy at any time, but can’t be reapplied, or transferred from one product to another.
Making a claim

A claim on Fracture Cover will not impact the core policy.

Exclusions

Claims in the first 7 days

Your client is unable to make a claim for any injuries sustained in the first 7 days of taking out a policy.
Injuries before policy start date

Your client isn’t covered for any injuries that occurred before the policy start date.
Invasive tests

Your client will isn’t covered for any injuries sustained in the following circumstances:

  • Taking part in some specified sports including but not limited to extreme sports, please see policy booklet for full list
  • During a cosmetic procedure
  • That have been self-inflicted
  • If the client has osteoporosis or pseudarthrosis
  • If the injury is classified as fatigue, hairline, stress, avulsion, chip, or microfracture
Not available with

Fracture Cover is not available with:

  • Whole of Life Protection Plan
  • Independent Critical Illness policies
  • Business protection policies

Renewals

Fracture Cover will be renewed annually. We will also review the price annually.

We will contact your client 30 days before the renewal date to let them know if their premium or the terms and conditions of the benefit have changed.

  • When the benefit is added to the policy it will default to automatically renew the benefit from the next renewal date, even if the premium has changed, unless your client opts out of this at application stage. The client must tell us at least five days before the renewal date if they don’t want to renew Fracture Cover.
  • Your client can cancel the automatic renewal feature at any time, by contacting us directly. If your client cancels the automatic renewal, we will still write to them 30 days before renewal, but the benefit won’t renew unless they contact us to confirm they want to keep Fracture Cover.
  • If your client chooses not to renew, the core policy will continue without Fracture Cover and we will recalculate the premium.
  • If a scenario arises where the core policy is due to end in less than 12 months at the renewal date, the benefit will end at the same time as your client's policy.

Your client can cancel the benefit at any time. If they do, the premium for their policy will be recalculated. The benefit cannot be reinstated later.

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