Personal Accident and K&R

PA/K & R/TERM LIFE/KEY MAN 

At ARB International we have access to Lloyd’s and London Markets with facilities and Binding Authorities that enable us to place PA/K&R/TERM LIFE/KEY MAN. Our Markets are all ‘A’ rated recognised security and our dedicated team of Brokers are in the Market every day enabling us to provide an excellent service with a quick response on all quote requests.  

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Cover Details

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• Primary Limits in excess of GBP10,000,000 any one life

• Term Life covers the risk of death from accident or illness for a selected period of time.

• Cover is available from as little as 1 day to annually renewable policies for up to 10 years.

• Term Life can provide a solution where traditional Life cover is not suitable or not available.

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Our facilities enable us to place a wide range of different trades including but not limited to:-

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• Sports Men/Women

• Individuals in high risk occupations

• Existing medical conditions/Long term illness or injury

• Employee Benefit Packages

• People between Jobs

Underwriting Criteria:

For Individuals

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• Age, Height, Weight

• Smoker/non smoker

• Location, likely travel plans

• Occupation

• Reason for cover

• Medical History

For groups

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• The Industry or nature of the scheme

• Occupations/Locations

• Age and sum insured distribution

• Claims history

• Details of Staff members who are not actively at work.