The Henley Group -aboutus

Take a step back in time, say six years ago. No one would have thought that SARS, Avian Flu or the Bali Bombings would have affected us? But the unexpected did happen in Asia recently. So, what would happen to your family, mortgage and / or business under these situations? Don't you think it could happen to you?

If the unexpected did happen, would your family have adequate cover to cope with it? Would your family be able to pay off a mortgage? Would your business go to your creditors instead of your designated beneficiaries? No one knows when their time will come. However, knowing that you have taken steps to help those you leave behind to cope if the misfortune should happen, can be hugely reassuring.

Friends Provident International Limited recently developed a new level term assurance product, International Protector. This new product is designed to provide high value, low cost life cover throughout a specified term, therefore offering peace of mind at an affordable price. It has the facility to cover individual or joint lives and the plan can be arranged in one of four currencies. This simple life cover can be tailored to fit your circumstances, and provides financial protection in the event of misfortune.

Protection for your family

By taking out International Protector, you would have the peace of mind knowing that your family has an appropriate amount of protection to help them to survive financially without you. The premium and sum assured are guaranteed for the duration of the Plan, which can be anything from one year to 35 years (up to age 80). Your plan can be denominated in one of four currencies: sterling (GBP), US dollars (USD), euro, (EUR) or HK dollars (HKD).

Cover for your mortgage

The protection of the family home is one of the most vital protection needs and the last thing you would want your family to have to cope with, at an already difficult time, is the prospect of losing their home.

International Protector allows you to choose how much you want to cover so that your mortgage can be discharged. The proceeds of the Plan can be used to repay the outstanding mortgage and, if the mortgage is on a repayment basis, there may be some money left over to help your dependants at what will be a very difficult time. In addition, by choosing a level amount of life cover, there is no need to rearrange your life cover to match any future changes in your mortgage arrangements. International Protector is wholly portable, requiring only a new policy for any increase in the mortgage amount (providing your mortgage is for the remaining term only.)

Protection for your business

In business scenarios, you are the most important part of the business, no matter if you are a sole trader, a partner or a controlling shareholder. With International Protector, it helps you to clear any business debts and / or any liability such as redundancy payments, receiving full value of share in the business or buying shares from your estate at a fair price.

Before making any investment decisions, you should read the Product Brochure, Terms and Conditions, which explain the risks associated with investment, and discuss with your Financial Adviser.