Swipe to see our multi-benefit plans in action!
Multi
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suits you!
Our new multi-benefit plans let you mix and match our income protection and life insurance. It’s more tailored than a mixed-breed pooch. Dressed in a custom-fit tuxedo.
Mix and match 
Multi
ta-da!
Our new multi-benefit plans let you mix and match our income protection and life insurance. With two award-winning products managed by multiple experts, that’s more to know-how than a wizard with Wi-Fi.
Mix and match 
Multi
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Multi-benefit plans let you mix and match our income protection and life insurance. They’re more flexible than a yoga instructor. With a slinky body.
Mix and match 
Multi
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Multi-benefit plans let you mix and match our income protection and life insurance on our easy to use portal. You’ll root out your client’s perfect plan quicker than an anteater. Who’s a private eye.
Mix and match Click to see our multi-benefit plans in action!
What’s the deal with multi-benefit?
Multi-flexible
By combining our Income First and Real Life products, you can build cover to suit more of your clients, and more of their needs.
Multi-available
You can build and buy multi-benefit plans on your chosen portal. That’s an online first for our Real Life cover.
Multi-featured
We’ve enhanced our income protection and life insurance products. You’ll find they’re more affordable and more suited to more of your clients.
Multi-tailored
Our plans cover people with no pre-existing health conditions, right through to those with serious or multiple health conditions.
Income protection and life insurance benefits
Flexible, award-winning cover. Designed to adapt as life changes.
See Income First benefits
Income First offers award-winning cover for people in a wide range of jobs and risk levels.
Premium options - both level and age-costed premiums are available, so you can meet your clients' needs whether they’re after premium certainty or cheaper premiums in the early years of their policy.
We base claims on ‘own occupation’. This means we pay out if illness or injury prevents your clients from doing their own occupation, not any occupation.
Our Benefit Fix (up to £7,500) ensures 100% of the benefit is fixed up front.
Which is handy for clients with fluctuating incomes.
Which is handy for clients with fluctuating incomes.
Pragmatic underwriting approach. There are no routine medical requirements for your clients up to the age of 42. And we don’t ask about working at heights.
Flexibility for client budget and needs. With a wide range of waiting periods (day 1 and 1, 4, 8, 13, 26 or 52 weeks) and long and short claims periods, you can build the right level of cover for your client’s needs and budget. What’s more, they can change cover as life changes. For example, having a baby or taking on a bigger mortgage.
Employer change promise. Our employer change promise means we may pay their benefit before their waiting period finishes if they make a claim.
See Real Life benefits
Cover more of your clients – our life insurance covers clients with minimal pre-existing health conditions, right through to those with serious or multiple pre-existing conditions.
Real Life is available as joint or dual life – offering more flexibility for you and your clients.
Joint life separation option so your clients are protected after relationship breakups.
A Beneficiary Nomination option lets clients select who they’d like to receive their benefit as part of the application. Without the need for trustees.
Introducing our new portal
Our new and improved portal is here, packed with new features that make it easier than ever to get quotes and apply for cover. Read about it below to find out more.
What's new?
Improved user experience – there’s no more back and forth between screens to change details. After entering a few basic client details, everything is managed from one screen and the quote is updated as you enter info.
Intuitive underwriting questionnaire – in most cases, you’ll know immediately what terms we’ll offer your client based on the information provided. And you can get a quote online anytime for both income protection and life insurance.
Instant underwriting decisions – you can complete each section individually, entering details in any order that works best for you and your client.
Managing client expectations – details of ratings and exclusions are shown alongside medical evidence requirements. So clients know what to expect.
No re-keying info – all the details you enter for the quote will automatically carry through when you convert your quote to an application.
Get multiple quotes at once – from the main screen, you can quote for multiple products and carry them through to application for all products at once. Nice.
Get our Adviser Guide
Find out why our income protection and life insurance could be right for your clients.
Download Why go with The Exeter
Humming and hawing over whether to go with The Exeter? Here are just some of the reasons advisers choose us to protect their clients.
Mutuality – no shareholders means all our efforts go into delivering for you and our members.
Claims history – we paid an average 93% of income protection claims in the last 10 years.
Key Income Protection player – we’ve been offering income protection to members since 1888. Today, we’re the 4th largest writer of income protection by premium in the market.
HealthWise – our member benefits app offers a range of free benefits including remote GP appointments, annual health checks, second medical opinions and more.
Committed to advisers – our new protection portal makes it easier than ever to do business with The Exeter and protect your clients.
Expert and friendly team – we regularly win awards for our service delivery.
Request a product briefing
Want to know more about The Exeter and our income protection and life insurance? Book a meeting with our team.
Book a briefing 
Free HealthWise app?
That’s good to know.
All our members get access to HealthWise. This free app gives them quick and convenient medical advice and treatments from any device, anywhere in the world.
Find out more