Members of the Group Insurance Scheme can apply for Additional Life cover. This cover is subject to additional medical underwriting, and acceptance therefore cannot be guaranteed. This is open to Serving officers, staff and their partners.
This cover is not available to be carried into retirement. For those wishing to take additional cover into retirement, please contact our Insurance Broker, Philip Williams & Co.
*It is important that you apply for any top up to Life Cover whilst you are still serving. You can not apply for top ups once you are a retired member.
| Additional Available Cover – Serving Members/Partners | ||
|---|---|---|
| Life Assurance | £50,000 | £5.00 per month |
| Life Assurance | £100,000 | £8.00 per month |
| Critical illness | £25,000 | £9.00 per month |
| Critical illness | £50,000 | £15.00 per month |
Eligibility
Only full Members of the Group Insurance Scheme may apply for this top up cover. This cover is open to all Serving Officers, staff and their partners.
Acceptance will be subject to approval by both the Trustees to the Scheme, and the Insurers and the completion of a medical questionnaire will be required.
Partners level of cover cannot exceed the serving members level of cover.
Cessation of Cover
Any Member may withdraw from the Scheme at any time without penalty, but any re-application to the Scheme will be subject to full medical underwriting and approval by the Trustees.
Membership of the scheme will cease when the individual attains the age of 70 for serving officers and their partners, 70 for serving staff and their partners irrespective of whether they continue to be employed within their role.
Membership of the scheme and all benefits will cease upon the Member leaving the Force for any reason other than retirement.
Membership of the scheme and all benefits will cease if the Member’s payments stop for any reason.
Membership of the scheme and all benefits will cease if the Trustees deem that an individual Member has brought the integrity of the Scheme or the Federation into disrepute.
When a Member reaches the upper age limit for the scheme, it is the responsibility of the Member to inform the Trustees via the Federation, and ensure that the subscriptions are ceased. There will be no cover applicable after the upper age limit and any claims will not be paid. There will be a maximum of 12 months’ worth of subscriptions refunded to those Members who continue to make subscription payments after the upper age limit.
For All Applications – All relevant Application Forms can be downloaded in the ‘Downloads’ side bar section.
Please email completed forms to schemes@philipwilliams.co.uk also please note that the top scheme is provided direct from the broker so payment for this will be via Direct Debit to Philip Williams and Company. (your main scheme payment of £32.50 will be deducted as normal by payroll / pension.