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Introducing PruProtect

FOR ADVISERS. Introducing PruProtect. Protection that goes further. PRUPM11013 UBD 26 Nov 2012. Sections. Who is PruProtect? Trends impacting protection Facts, stats and quotes Personal products Business products Vitality and Vitality Plus Growing your business. Facts, stats and quotes.

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Introducing PruProtect

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  1. FOR ADVISERS Introducing PruProtect Protection that goes further PRUPM11013 UBD 26 Nov 2012

  2. Sections • Who is PruProtect? • Trends impacting protection • Facts, stats and quotes • Personal products • Business products • Vitality and Vitality Plus • Growing your business

  3. Facts, stats and quotes

  4. Serious Illness Cover – fast facts

  5. Income Protection Cover – fast facts

  6. Life Cover – fast facts

  7. Minimum Protected Account – Fast Facts

  8. Family Income Cover – Fast Facts Paid on death/ terminal illness

  9. Family Income Cover – Fast Facts cont. Paid on death/ terminal illness/ serious illness

  10. Education Cover – Fast Facts Paid on death/ terminal illness

  11. Education Cover – Fast Facts cont. Paid on death/ terminal illness/ serious illness - severity A

  12. Disability Cover – Fast Facts

  13. Health Cover – Fast Facts

  14. Optional SIC for Children – Fast Facts

  15. Serious Illness Cover The mistake I made was to develop the policy to pay out on the diagnosis. It should be paid out on severity… Dr Marius BarnardFounder of Critical Illness Cover Source: Citywire Money, 2007

  16. Cancer By 2020 almost 50% of Britons will get cancer in their lifetime – but 38% will not die from the disease Source: Macmillan June 2013

  17. Facts, stats and quotes - Cancer Every two minutes someone is diagnosed with cancer Source: Cancer Research UK, 2011

  18. Facts, stats and quotes – Chronic or long term disease More than 15 million people in England have a chronic or long-term disease ranging from asthma to heart-failure Source – gov.uk 25 March 2013

  19. Facts, stats and quotes – breast cancer In 2001 81%of women suffering with breast cancer, survived for more than 5 years In 1971 it was only 52% Source – Cancer Research Uk 2011

  20. Cancer facts • 74% of cases are diagnosed in people aged 60 • More than a third of cases are in people aged 75 and over. • Around 1 in 10 of all cancer cases occur in adults aged 25-49 years – mainly breast, malignant melanoma, bowel cancer and cancer of the cervix • There are as many different types of cancer as there are different types of human cell – just over 200 Source - http://info.cancerresearchuk.org/cancerstats/

  21. Types of Cancer Carcinoma Begins in the skin or in tissues that line or cover internal organs Sarcoma Begins in bone, cartilage, fat, muscle, blood vessels, or other connective or supportive tissue Leukemia Starts in blood-forming tissue such as the bone marrow Lymphoma and multiple myeloma Begin in the cells of the immune system

  22. Top ten cancers in men Source: Cancer Research UK 2013 *Bowel cancer including anal cancer (C18-C21) **6% of all male cancer deaths are registered without specification of the primary site

  23. Top ten cancer in women Source: Cancer Research UK 2013 *Bowel cancer including anal cancer (C18-C21) **8% of all female cancer deaths are registered without specification of the primary site

  24. A talk by Professor Gerard Evan: cancer isn’t mysterious • Cancer Research UK scientist Professor Gerard Evans gives a fascinating talk on the link between dinosaur evolution and cancer.

  25. Facts, stats and quotes If you don’t have time to do it right? When do you have time to do it over? John WoodenCollege basketball coach

  26. Facts, stats and quotes - Strokes The risk of a recurrent stroke is 30-43%within five years Source – nice.org July 2012

  27. My mortgage is covered so I’m fine Is this enough?

  28. UK Life Assurance Statistics • 61% of families do not have a life assurance policy in place • 93% of families do not feel they have adequate financial protection • 76% of single parent families with two or more children feel financially under protected • 87% do not have Critical Illness Cover • 89% shun Income Protection • 4 out of 10 families admit to being seriously affected by illness in the past, but still do not have any policies in place Source: Moneysworth UK, Feb 2011

  29. Evolution in the need for protection 19th Century 20th Century 21st Century ??

  30. …and it is only going to get worse Aubrey de Grey Professor of Gerontology at Cambridge University The first man who will live up to 1,000 years is probably already alive now and might even be today between 50 and 60 years old.

  31. If we take a late retirement and an early death, we’ll just squeak by. Barbara Smaller Increase public awareness Awaiting image Source: www.condenaststore.com www.condenaststore.com/-sp/If-we-take-a-late-retirement-and-an-early-death-we-ll-just-squeak-by-New-Yorker-Cartoon-Prints_i8544683_.htm

  32. If you’d like to know more, please speak to your Business Consultant or take a look at pruprotect.co.uk/adviser Thank you

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