Three ways your BrightRock cover keeps pace with your life
Whatever happens, we've got you covered.
Life has a habit of changing our plans. A new job brings a bigger salary. A growing family creates new responsibilities.
A bond gets paid, children become independent, health changes, priorities shift.
What looked like the right amount of life cover five or 10 years ago, may no longer meet your needs as neatly today.
That is why your insurance should never feel frozen in time.
Rather than treating a policy as something that is bought once and left untouched for decades, we've built flexibility into our needs-matched product, based on these market-leading features:
1. Boost your cover with no extra underwriting
BrightRock’s extra cover buy-up facility allows you to increase your cover after the policy has started, in line with your changing needs.
Best of all, you can do this without going through medical underwriting again.
You can continue to benefit from the underwriting completed when you originally took out your policy, perhaps at a time when you were younger and healthier.
The facility is automatically included on all standard BrightRock policies at no additional cost.
2. Change your cover as your needs change
Your financial needs do not simply become bigger or smaller over time. They also change shape.
The protection required while your children are young will be very different from what is needed once they have finished university.
Your income replacement needs may decline as retirement approaches. A mortgage may gradually disappear, while the need to leave a legacy or provide long-term protection remains.
BrightRock’s cover conversion facility is designed for these kinds of changes.
It allows you to use premiums for cover you previously had to buy cover for new needs when your needs change after the policy has started, even if your health has changed – again, without medical underwriting.
Just like the extra cover buy-up facility, the cover conversion facility is automatically included on standard BrightRock policies.
3. Get an annual opportunity to secure more cover
There is also a third way in which your cover can keep evolving.
Our yearly secured cover facility gives you an annual opportunity to increase your cover without further medical underwriting.
The facility is linked to the way certain income-protection-related death benefits reduce over time.
Each year, you can buy additional cover equal to the lump-sum amount by which your death cover has reduced during the year.
This effectively creates a regular opportunity to reconsider whether some of that reducing cover should be replaced with additional protection elsewhere.
Once again, your current health does not become a new underwriting hurdle.
Life is an ongoing conversation
Together, these three facilities point towards a shift in the way life insurance can work.
A policy does not have to be a dusty document that disappears into a drawer after it has been signed. It can become part of an ongoing financial conversation.
What has changed in your life? What matters most to you now? What will your likely needs be in the years to come?
With Brightrock, your cover can remain connected to the life you are actually living, not just the life you were living on the day you signed your policy.
Because life doesn't stand still. That's why it makes sense to have cover that knows how to keep up with it!
*PS: We want to make sure we always have your latest information to keep you updated about your cover. Please take a few minutes to confirm or update your details using our secure form at this link: (insert link to secure form).