Fracture Cover | Legal & General

Protecting against the cost of injury

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

Anyone can have a sudden injury - whether a slip on the stairs, car crash, or fall outdoors. This could require time off work, extra childcare, expensive travel costs, and even equipment to support your mobility. Not everyone would receive sick pay from an employer. And even if you did – the extra expenses may not be affordable without the cash sum that protection can provide. Fracture cover is here to help.

Benefits Details

Minimum cover: Multiple Claims per year to a maximum payout of £7500
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: Your client can only add fracture cover to one Legal & General policy
Premiums: Payable monthly and will be reviewed annually
Annual Renewal: This benefit is annually renewable – please see renewal tab for more information
Added to personal protection: Fracture Cover can only be added to the policy at outset
Can be cancelled at anytime: Fracture Cover can be removed from the policy at any time, but can’t be reapplied, or transferred from one product to another
Making a claim doesn’t affect core policy: If your client makes a claim on Fracture Cover it 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
Any injuries occurred before the policy start date
Any injuries acquired 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 the following products: Whole of Life Protection Plan, Independent Critical Illness policies and Business Protection policies

Renewals

Fracture Cover will be renewed annually, and 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 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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