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.  

Cover Details

  • 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.

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

  • 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

  • Age, Height, Weight

  • Smoker/non smoker

  • Location, likely travel plans

  • Occupation

  • Reason for cover

  • Medical History

 

For groups

  • 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.