Dividend Life

Term Life & Multi-Claim Critical Illness Cover

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Modern Life Insurance with:

200% Multi-Claim Critical Illness Cover

200% Dual Life Cover

Doctor-on-Demand with 24/7 GP Services

Life Empowered Membership Benefits

We are Life Empowered

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Welcome to Dividend Life ►

We are Life Empowered

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Welcome to Dividend Life ►

3 Policy Holder Dividends

Membership Benefits ►

Multi-Claim Cover

200% Critical Illness Cover

Up to 3 Critical Illness claims per policy.

Total Maximum Benefit of up to 200% of Sum Assured.

200% Dual Life Cover.

Modern alternative to traditional joint life protection covering both lives not just first.

Multi-Claim Advantage

Membership Benefits

Annabel Rewards with 300 Retail Partners included.

Additional benefits included: a dedicated concierge service and direct access to leading global periodicals.

Benefits & Rewards

Doctor-on-Demand

24/7 UK-based virtual GP consultations available.

Face-to-face consultations at a time that suits from anywhere in the world.

Prescriptions sent direct to chosen pharmacy for collection/delivery.

Doctor-on-Demand

Policy Dividends are included on all policies. Without additional premium charges, fees or costs.

Features:

Annabel Rewards & Concierge

Doctor-on-Demand

Newsstand

Functions:

Robo Advisor

Policy & Trust Wallet

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Annabel User Guide

App Store

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Dividend Life Compared

Protection value created through …
Cover features, policy benefits and competitive premiums.

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How does Dividend Life Cover, Benefits & Premiums compare to national U.K. life insurers.

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Term Life	Assura + Protect	National Life Insurer 1¹	National Life Insurer 2¹	National Life Insurer 3¹
Policyholder Benefits	Comprehensive	None	None	Limited
	Retail Cashback / Discounts Travel Discounts Healthy Lifestyle Incentives Gym Discounts Concierge Services Global Periodical Access			Gym Discounts
Extended Health Cover	Comprehensive	Limited	Limited	Basic
	GP Services - 24/7 Face-to-Face Consultation Direct Prescription Services	Second Medical Opinion	Lifestyle Support & Counselling Services	Nurse Support Second Medical Opinion Lifestyle Support & Counselling Services
Partner Cover	Yes	Yes	Yes	Yes
Partner Cover Type	Dual	Joint	Joint	Joint
Lives Covered	Both	First	First	First
Maximum Benefit (% of Sum Assured)	200%	100%	100%	100%
Monthly Premiums²
Level Term - Single	£ 10.00	£ 11.92	£ 9.54	£ 12.16
Decreasing Term - Single³	£ 10.00	£ 11.17	£ 10.41	£ 13.48
Level Term - Partner	£ 19.30	£ 20.68	£ 17.90	£ 20.06
Decreasing Term - Partner	£ 12.71	£ 13.47	£ 12.61	£ 14.48

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Term Life with Critical Illness	Assura + Protect	National Life Insurer 1¹	National Life Insurer 2¹	National Life Insurer 3¹
Cover Type	Life and Critical Illness	Life or Critical Illness	Life or Critical Illness	Critical Illness Only
Benefit / Claim	Multi	Single	Single	Single
Max # of Claims	3	1	1	1
Maximum Benefit (% of Sum Assured)	200%	100%	100%	100%
Conditions Covered⁴	42	37	40	41
Child Cover	Included	Included	Included	Included
Accident Cover	Included	Included	Not Included	Not Included
Partner Cover Type	Dual	Joint	Joint	Joint
Lives Covered	Both	First	First	First
Maximum Benefit (% of Sum Assured)	200%	100%	100%	100%
Monthly Premiums⁵
Level Term - Single	£ 30.37	£ 31.05	£ 33.39	£ 44.41
Decreasing Term - Single	£ 21.07	£ 20.83	£ 24.79	-
Level Term - Partner	£ 59.63	£ 56.51	£ 62.24	£ 81.62
Decreasing Term - Partner	£ 41.22	£ 37.64	£ 46.86	-

Notes:

Representative National Life Insurers are selected from top 5 UK Life Insurers by annual policy sales.
Indicative policy pricing for 35 year old / £200,000 Sum Assured / 20 Year Term with no medical loadings derived from publicly available company websites and price comparison websites on May 26, 2023.
Indicative policy pricing for 35 years old / £350,000 Sum Assured / 20 Year Term with no medical loadings derived from publicly available company websites and price comparison websites on May 26, 2023.
Core conditions covered and included as in standard and/or base premiums.
Indicative policy pricing for 35 year old / £100,000 Sum Assured / 20 Year Term with no medical loadings derived from publicly available company websites and price comparison websites on May 26, 2023.

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