Facts, stats and quotes

FOR INTERMEDIARY USE ONLY

Introducing PruProtect

Protection that goes further

PRUPM11013 UBD 26 Nov 2012

Sections

① Who is PruProtect?

② Trends impacting protection

③ Facts, stats and quotes

④ Personal products

⑤ Business products

⑥ Vitality and Vitality Plus

⑦ Growing your business

Serious Illness Cover – fast facts

Min and max entry age next

birthday

17 – 65

Max expiry age/date (not applicable to Whole of Life)

Age 70 exactly

Min term 5 years

Max term (not applicable to Whole of Life)

Reviewable premiums: 50 years

Guaranteed premiums: 40 years

Min sum assured £10,000 subject to minimum premium

Max sum assured The total combined Serious Illness Cover

and Disability Cover from us cannot exceed

£1,000,000

Income Protection Cover – fast facts


birthday

17 – 60


Age 70 exactly

Min term 5 years


54 years

Min sum assured £250 each month subject to minimum premium

Max sum assured Primary Cover - £10,000 per month

Comprehensive Cover - £16,666.67 per month

Life Cover – fast facts


birthday

17 – 75


Age 80 exactly

Min term 5 years





Max sum assured £5,000,000

A higher amount up to £10,000,000 may be

available subject to meeting specified criteria

Minimum Protected Account – Fast Facts


birthday

17 – 65


When Serious Illness Cover and Optional

Serious Illness Cover for Children have

ended

Min term N/A


N/A

Min sum assured N/A

Max sum assured N/A

Family Income Cover – Fast Facts


birthday

17 – 75


Age 80 exactly

Min term 5 years




Min sum assured £250 each month subject to minimum

premium

Max sum assured The monthly equivalent that will lead to a

total payout of up to £5,000,000

Paid on death/ terminal illness

Family Income Cover – Fast Facts cont.


birthday

17 – 65


Age 70 exactly

Min term 5 years





premium

Max sum assured The monthly equivalent that will lead to a

total payout of up to £1,000,000. This

includes any Serious Illness Cover and

Disability Cover

Paid on death/ terminal illness/ serious illness

Education Cover – Fast Facts


birthday

17 – 75


Age 80 exactly

Min termAvailable for a child who is 18 years or

younger at entry


Min sum assured N/A

Max sum assured N/A

Paid on death/ terminal illness

Education Cover – Fast Facts cont.


birthday

17 – 65


Age 70 exactly

Min termAvailable for a child who is 18 years or

younger at entry


Min sum assured N/A

Max sum assured N/A

Paid on death/ terminal illness/ serious illness - severity A

Disability Cover – Fast Facts


birthday

17 – 60


Age 70 exactly

Min term 5 years





Max sum assured £500,000. For claims as a result of a serious

illness, the maximum combined we will pay

cannot exceed £1,000,000

Health Cover – Fast Facts


birthday

19 – 75 (with Life)

19 – 65 (with SIC)

19 – 60 (with IP)


N/A

Min term N/A


N/A

Min sum assured N/A

Max sum assured N/A

Unemployment Cover – Fast Facts


birthday

19 – 60


Age 65 next birthday

Min term 5 years


47 years


premium

Max sum assured £2,500 each month

Optional SIC for Children – Fast Facts


birthday

3 months exactly – 17


Plan anniversary before the 19th birthday

Min term N/A


N/A


Max sum assured £100,000

Serious Illness Cover

“The mistake I made was to develop the policy to pay

out on the diagnosis.

It should be paid out on severity…”

Dr Marius BarnardFounder of Critical Illness Cover

Source: Citywire Money, 2007

Cancer

1 in 3 people in

Britain will have a

cancer diagnosed at

some time during

their life

Source: Cancer Research UK, 2011

Facts, stats and quotes - Cancer

Every two minutes

someone is diagnosed

with cancer

Facts, stats and quotes – Chronic or long term

disease

More than

15 million people in England

have a

chronic or long-term disease

ranging from asthma to heart-

failure

Facts, stats and quotes – breast cancer

In 2001

81% of women suffering

with

breast cancer,

survived for more than 5

years

In 1971 it was only 52%

• 74% of cases are diagnosed in people aged 60

• More than a third of cases are in people aged 75 and over.

• Around 1 in 10 of all cancer cases occur in adults aged 25-49 years

– mainly breast, malignant melanoma, bowel cancer and cancer of

the cervix

• There are as many different types of cancer as there are different

types of human cell - just over 200

Cancer facts

Source - http://info.cancerresearchuk.org/cancerstats/

Types of Cancer

Carcinoma

Begins in the skin or in

tissues that line or cover

internal organs

Leukemia

Starts in blood-forming

tissue such as the bone

marrow Lymphoma and multiple

myeloma

Begin in the cells of the

immune system

Sarcoma

Begins in bone,

cartilage, fat, muscle,

blood vessels, or other

connective or supportive

tissue

Top ten cancers in men

Source: Cancer Research UK 2013

*Bowel cancer including anal cancer (C18-C21)

**6% of all male cancer deaths are registered without specification of the primary site

http://www.cancerresearchuk.org/cancer-info/cancerstats/mortality/cancerdeaths/ssNODELINK/CancerStatsKeyFactsOnBowelCanc

Top ten cancer in women

Source: Cancer Research UK 2013

*Bowel cancer including anal cancer (C18-C21)

**8% of all female cancer deaths are registered without specification of the primary site

http://www.cancerresearchuk.org/cancer-info/cancerstats/mortality/cancerdeaths/ssNODELINK/CancerStatsKeyFactsOnBowelCanc

A talk by Professor Gerard Evan: cancer isn’t

mysterious

• Cancer Research UK scientist Professor Gerard Evans gives a

fascinating talk on the link between dinosaur evolution and cancer.

http://www.youtube.com/watch?v=G0D29CO2Lq4&feature=youtu.be






Facts, stats and quotes

If you don’t have

time to do it right?

When do you have

time to do it over?

John WoodenCollege basketball coach

Facts, stats and quotes - Strokes

The risk of a

recurrent stroke

is 30-43% within five years

Is this enough?

My mortgage is covered so I’m fine

• 61% of families do not have a life assurance policy in place

• 93% of families do not feel they have adequate financial protection

• 76% of single parent families with two or more children feel

financially under protected

• 87% do not have Critical Illness Cover

• 89% shun Income Protection

• 4 out of 10 families admit to being seriously affected by illness in the

past, but still do not have any policies in place

UK Life Assurance Statistics

Source: Moneysworth UK, Feb 2011

Evolution in the need for protection

19th Century

21st Century ??

20th Century

“ the first man who will live up to 1,000 years is probably already alive

now and might even be today between 50 and 60 years old ”

…and it is only going to get worse

Aubrey de GreyProfessor of Gerontology at Cambridge University

Increase public awareness

“If we take a late

retirement and an

early death, we’ll just

squeak by”

– Barbara Smaller

Source: www.condenaststore.com

www.condenaststore.com/-sp/If-we-take-a-late-retirement-and-an-early-death-we-ll-just-

squeak-by-New-Yorker-Cartoon-Prints_i8544683_.htm

FOR INTERMEDIARY USE ONLY

Thank you

If you’d like to know more, please speak to your Business Consultant

or take a look at pruprotect.co.uk/adviser

Facts, stats and quotes

Business

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