One of the unique features of the Synergy Protect Plan is how we treat Dual Life cases - where two people are applying for cover.

If for example two people are applying for cover at the same time, Synergy Protect is issued on what we call a Dual Life basis which means that instead of issuing a single policy which pays out once, we will issue each person their own individual Plan for the full amount of each benefit that person has selected.

• Joint life first death - £100,000 is paid on the first death and the policy then ends, leaving the surviving person with no cover.
  
  
• Synergy Protect - £100,000 is paid on the first death, but as two individual Plans were issued, the surviving person’s Plan remains in force and is unaffected, thereby maintaining valuable cover if for example they have dependent children or other liabilities.
  

To reward your client’s loyalty and to help minimise future premium increases as they get older, Synergy Protect includes a valuable Loyalty Discount feature:

• Life, Critical Illness and Income Protection Insurance premiums - a Loyalty Discount of up to 5% may apply from the beginning of year 2, rising on a sliding scale to a maximum of 52.5% from the start of year 16;