The Exeter Life Insurance

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About The Exeter

Exeter is a friendly society that has been around for more than 90 years. They provide specialist life insurance cover for people with complex medical histories. Let’s examine what makes their options different and how they can help keep your future safe.

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What Types of Life Insurance Policies Does Exeter Offer?

The Exeter offers two main life insurance products: Real Life Insurance and Managed Life Insurance. These policies have been specifically designed to cater to individuals with pre-existing medical conditions, ensuring that they can obtain the affordable life insurance they need.

Real Life Insurance: Cover for Complex Health Conditions

Real Life Insurance is the primary product that Exeter provides. It gives life cover to people who have serious or several health issues.

Key benefits:

  • This is for people in the UK who are between 18 and 80 years old.
  • The policy can last from 5 to 50 years and will end when you turn 90.
  • You can select a sum assured between £20,000 and £3,000,000.
  • A terminal illness cover is part of this policy.
  • The lowest monthly premium is £15.
Life Insurance Policies Exeter Offer

Managed Life Insurance: Rewarding Healthy Choices

Managed Life Insurance is designed for people who have type 2 diabetes or struggle with weight. By managing your health, you can lower your costs with this insurance.

Key benefits:

  • This option is for UK residents who are between 18 and 69 years old.
  • You can pick a policy that lasts from 5 to 50 years. Coverage stops when you are 50 to 70 years old.
  • The sum assured can be from £20,000 to £3,000,000.
  • You can get lower monthly premiums if you manage your condition well.
  • The minimum monthly premium for this policy is £15.

How Does Exeter's Approach to Critical Illness Cover Stand Out?

Exeter's critical illness cover offers wide protection for many serious health issues.

Comprehensive Critical Illness Insurance

Conditions covered include:

  • Cancer
  • Heart attack
  • Stroke
  • Multiple sclerosis

Exeter pays attention to health issues that are not very common. This helps it stand out from other insurance companies.

Children's Critical Illness Benefit

Taking care of your kids is very important. With Exeter’s children's critical illness benefit, you can protect your children without paying more. This lets you feel relaxed, knowing your whole family is safe.

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How Does Exeter's Income Protection Insurance Work?

Exeter's income protection insurance helps keep your money safe if you can't work because you're sick or hurt. This insurance brings you comfort during tough times. It helps cover your bills when you're not earning your regular income.

Income Protection Policies: Tailored to Your Needs

Key features:

  • This plan pays up to 60% of your total income.
  • You will continue to make payments until you go back to work or reach retirement age.
  • You have the option to pick either short-term or long-term coverage.

Level of Cover and Payment Terms: Flexibility is Key

You can pick a deferred period that is between 1 week and 52 weeks long. This choice helps you balance what you can afford to pay with what you help. By adjusting the level of cover, it can match your personal circumstances and financial plans.

Exeters Income Protection Insurance Work

What Additional Insurance Products Does Exeter Offer?

Health Insurance: Private Medical Care When You Need It

Exeter offers private medical insurance. This helps you access private healthcare quickly when you need it.

Travel Insurance: Explore with Peace of Mind

Exeter might not sell travel insurance as their main thing. However, they can help you find the best choices. These choices can work well with your life cover.

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What Are the Key Features of Exeter Insurance Policies?

Lump Sum Payments: Financial Security for Your Loved Ones

Exeter's life insurance policies provide your family with a lump sum payment if you pass away or if you are found to have a terminal illness. This support helps keep them financially safe.

Monthly Premiums: Affordable Protection

  • Age
  • Health condition
  • Place
  • Type of coverage
  • Lifestyle choices
  • Your age
  • Medical history
  • Sum assured
  • Policy type

Policy Conditions and Flexibility: Adapting to Life's Changes

Exeter allows you to change your sum assured during the policy term. Life can change, and you can adjust your coverage as your situation changes.

Manage Your Exeter Insurance Policy

How to Manage Your Exeter Insurance Policy

Updating Your Policy for Personal Circumstances

Life changes a lot, and your insurance should change too. With Exeter, you can easily check and update your policy whenever you need.

Understanding Policy Documents and Numbers

Your policy documents hold key information. This includes your policy number. Keep these documents safe and nearby. This way, you can easily access them when you need to contact Exeter.

How to Apply for Exeter Life Insurance

Online Application Process: Quick and Convenient

Applying for Exeter life insurance is easy:

  • First, visit Exeter's website.
  • Next, provide information about your health, age, and the coverage you need.
  • After that, you will receive a personalised quote.
  • Then, complete the application form.
  • Lastly, finish any required medical tests.

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What Should You Know About Medical Conditions and Policy Eligibility?

Medical Underwriting Process: Tailored to Your Health

Exeter offers insurance to people who have pre-existing health problems. They take time to review your details. This helps you receive the right coverage that matches your medical history.

Medical Conditions and Policy Eligibility

Why Choose Exeter for Your Life Insurance Needs?

Specialist Expertise in Complex Medical Histories

Exeter is a specialist insurer. They provide insurance to people who might have a hard time getting it from other places because of their medical conditions.

Competitive Premiums for High-Risk Individuals

Exeter works hard to provide affordable premiums. They do this even for people who are considered higher risk. This effort makes life insurance more accessible for different individuals.

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How Does Exeter Support Its Policyholders?

Customer Support and Contact Information

Reach Exeter's customer support team:

You can contact them in several ways. For phone inquiries, call 0300 123 3201. If you have questions to send by email, write to [email protected]. If you want to visit in person, go to Lakeside House, Emperor Way, Exeter, EX1 3FD.

Free Members App: Managing Your Policy on the Go

Exeter has a free members app. You can use this app to manage your policy easily. It also lets you access your documents. You can get support no matter where you are.

Exeter's Approach to Claims and Payouts

What Is Exeter's Approach to Claims and Payouts?

Efficient Claims Process

Exeter wants to make the claims process easy for you during a tough time. They do this by giving clear help on what documents you need to submit. They also support everyone involved in the process.

Quick Payout Times

Exeter works hard to handle claims and give payments fast. They know that getting financial help is important when times are tough.

How Does Exeter Compare to Other UK Insurers?

Specialisation in Impaired Lives

In the UK, a lot of insurance companies provide standard life insurance. But Exeter stands out. They offer coverage for people with complex medical histories.

Innovative Products

Exeter is different from many other insurance companies. They provide products like Managed Life Insurance. This kind of insurance gives bonuses to policyholders for managing their health well.

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FAQs about Exeter Life Insurance

Term life insurance provides protection for a set time. On the other hand, whole life insurance gives coverage for your whole life.

Exeter wants to offer insurance to people who have pre-existing conditions.

Exeter allows you to adjust your sum assured while your policy term is still going on.

Premiums depend on a few important factors. These are your age, medical history, sum assured, and the type of policy you select.

To contact Exeter's claims team, make sure you have your policy number. Tell them the important details. They will help you with the process and let you know about the documents you need.

When you have terminal illness cover, you will receive your sum assured if you are diagnosed with a terminal illness. This is true if your life expectancy is less than 12 months.

Exeter has a service for a second medical opinion. This service helps you know more about your health. It lets you make smart choices about your next steps.

You can get a real life policy if you are 80 years old or younger. This coverage will last until you turn 90.

Exeter's Managed Life Insurance is designed for people with type 2 diabetes.

Exeter offers income protection insurance. This insurance helps pay for part of your earnings if you cannot work because of an illness or injury.

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Page last updated on: 23/08/2024

Page reviewed by: Shay Ramani

4000+ reviews