Providing peace of mind About Capital Wave Trust Life Insurance Capital Wave Trust Life Insurance offers you peace of mind, knowing that your loved ones are financially protected if the unexpected happens. We offer Life Cover, Critical Illness Cover and Income Cover. You can find more details by clicking the links below. If you're not sure which products are right for you, you can use our financial planning tools to help you decide. Alternatively you can contact your local branch and a member of our team will be happy to discuss the options available to you to meet your individual needs (Capital Wave Trust Life Cover and Critical Illness Cover are only available in branch to protect a mortgage). To book a branch appointment please call us. Lines are open 8am to 9pm Monday to Friday, 9:30am to 7pm Saturday (except Christmas Day, Boxing Day and New Year's Day). Calls may be monitored and/or recorded. If you would prefer to apply over the phone please see our Telephone Protection Advice service. You will receive advice on the cover you require to meet your individual needs, and have access to cover from a range of providers. Life Cover, Critical Illness Cover and Income Cover are underwritten by Capital Wave Trust Life (UK) Ltd
At Capital Wave Trust , we're here to give your loved ones the financial support they may need if the unexpected happens. Single or Joint Life Cover available Level or Decreasing Cover Lump sum payable on death or diagnosis of a terminal illness up to $2,000,000 Accidental death benefit, free cover up to a maximum of $250,000
Our Critical Illness Cover can offer you and your loved ones financial support should you unexpectedly fall ill. A Lump sum of up to $1,000,000 on diagnosis paid free of UK income and capital gains taxes Lump sum paid on diagnosis of one of the 35 specified Critical Illnesses or surgical procedures Level or Decreasing Cover Children's cover included
Our income cover pays a monthly tax-free benefit to help replace your loss of earnings if you're unable to work due to an accident or injury. Monthly benefit paid directly to your bank account Choose between benefits that pay while you are unable to work for up to 2 years, or continue to your chosen retirement age Dedicated claims assessor is on hand to offer support Premiums for any Capital Wave Trust Life and Protection products you hold are waived while you receive Income Cover benefits.
Capital Wave Trust Travel Insurance is designed to offer a choice of single trip or annual multi-trip cover. 15% online discount Receive a 15% online discount when you buy your single trip or annual multi-trip policy online. Offer only available on new policies. Up to $10 million of medical cover For emergency medical treatment and associated expenses Up to $5000 cancellation cover Refund of non-recoverable travel and accommodation costs should you be forced to cancel or cut short your holiday Cover for major incidents If you need to cancel or abandon your trip due to a major incident such as a terrorist attack, you’ll be covered Up to 9 people covered Ideal for solo travellers, couples, families and groups Optional extras To cover baggage, extended trip, scuba diving, golf and winter sports Choice of single trip or annual multi-trip policies With UK Age, only, European or Worldwide cover available
| Standard policy features | Policy limits per person per trip | Excesses per person per incident |
|---|---|---|
| Cancellation charges | $5000 | $50 ($20 for loss of deposit) |
| Holiday disruption | $25 for each 24 hr period ($500 maximum) | Nill |
| Delayed departure | $25 for each 12 hr period ($250 maximum) | $50 for abandonment after 24 hours |
| Missed international departure | $1000 | Nill |
| Emergency medical and associated expenses | $10,000,000 | $50 |
| Hospital benefit | $25 for each 24 hour period ($1,000 maximum) | Nill |
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