Sterling Life Insurance

Sterling Life Insurance

Sterling Life Insurance is one of the few fully independent and UK-based (British-owned) assurance companies in existence. Sterling Life is part of the Sterling Insurance Group Limited which was established in 1994. Since then, it has been serving millions of UK residents by providing excellent life insurance policies at very reasonable rates. Aside from life insurance, the Sterling Insurance Group also offers a myriad of other financial services including household insurance, specialist schemes, commercial insurance, GAP insurance, payment protection, and some administrative services.

Niche Products

According to them, their policies are niche products that are catered for discerning clients. What makes their services unique is that they are specially designed to suit and support the requirements of the said products. Sterling Life has a number of life insurance programs that are excellent for both individual policy holders and for groups as well.

• Individual term cover: this policy provides life cover for individuals at a fixed rate. There is also a specific term for the policy and the premium remains the same throughout this period. This also means that the cash payout at the end of the term is also fixed.

• Keyman cover: contrary to popular belief, this policy is not named after a person named Keyman who some might think was the brains behind this policy. The program literally means key-man. This is a life insurance policy for companies and corporations that want to protect the lives of their key employees when it comes to the financial wellbeing of the company.

• Service life insurance: This policy is an excellent life assurance program that is reserved only for the brave and esteemed men and women of the Armed Forces. This policy provides excellent coverage at a very reasonable price for those that risk their lives for the good of the country.

• Affinity/schemes: Sterling Life also has other schemes that are tailored for specific sectors or segments of the population. Depending on the needs of the individuals involved, Sterling Life has a specialized policy for each of them.

Something for Everyone

As mentioned earlier, the services of Sterling Life Insurance is not only limited to life assurance programs. The company also has a variety of personal accident programs that will support policy holders should they get involved in any sort of unwanted accident. There are a number of schemes to choose from which also vary in coverage and price. Sterling Life offers Accidental Death, Fracture Cover (specially designed for those over 50 years of age), and Personal Accident insurance policies that all provide excellent services for policy holders.

Payment protection is another field in which Sterling Life excels in. Aside from a comprehensive life insurance policy, the company also offers Involuntary Unemployment or Redundancy, Disability (Accident and Sickness), as well as Critical Illness policies for all sorts of situations and of course, budgets.

Whatever the case may be, the important thing to know is that Sterling Life Insurance is able to provide a wide array of services that will satisfy the needs of each individual.