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The Bucket List Plan is a Term Life Insurance policy that includes Terminal Illness benefit and optional Critical Illness cover.
At claim, a Concierge Service is available if you are claiming for terminal illness or critical illness. This is to help and assist you in planning your bucket list aspirations.
You may choose to use a smaller proportion or even none of your payout for your bucket list items and instead decide to use the funds for purposes such as care or giving to family, charity or a deserving cause. It is your decision.
As you would expect, the plan also provides a lump sum in the event of death provided that you haven't already claimed the Terminal Illness benefit.
Life insurance is used to provide a lump sum if you die. The money can be used for anything but is normally used to pay off a mortgage, to provide childcare or to ease the financial pressures should you pass away or, as with the Bucket List Plan, to pay for your bucket list aspirations and therefore do many of the things you want to do before you die.
Types of Life Insurance:
1. Term Life
This type of plan runs for a specific period of time which you can choose. After this period of time, the plan ends and the cover stops. If a claim has not been made by the end of the specified time period, there is no payout.
2. Whole of Life
This type of plan runs until you die so there is always a payout as long as you keep up with the payments. It is important you choose the right policy for your circumstances, considering the costs, benefits and risks of each and how the money will be used.
The Bucket List Plan is a Term Life policy with Terminal Illness benefit and optional Critical Illness cover. This life insurance policy is provided by our partners Cignpost Life.
As well as the Bucket List plan benefits, life insurance could help protect your loved ones' lifestyle if you were to pass away. A lump sum payout (also known as the cover amount) would be paid if you were to die while you have the policy. This could be used to pay your mortgage, rent or other bills, giving you some peace of mind that there would be one less thing for your loved ones to deal with.
Your premiums will remain the same throughout the length of your policy, unless you make changes to your cover amount.
Depending upon your age, you can choose from three levels of cover:
>The 100 Level that provides you with a £100,000 payout
>The 175 Level that provides you with a £175,000 payout
>The 250 Level that provides you with a £250,000 payout
These levels of cover are designed to offer you a choice of cover that may meets your budget requirements balanced with a sufficient payout to meet your bucket list aspirations and depending on the chosen level, provide enough for other wishes you may have.
Again, depending on your age, you are a offered a choice of three terms:
> 10 years
> 20 years
> To age 65
You can choose a term period that suits your needs and budget best.
The Bucket List Concierge Service is available to you if you are claiming for terminal illness or critical illness. This is to help and assist you in planning your bucket list aspirations.
In the event that you get Coronavirus (COVID-19) and pass away, once the claim is considered to be valid following our standard claims process, your cover amount will be paid to your loved ones.
Currently Coronavirus (COVID-19) isn't one of the critical illnesses covered by our critical illness cover. However, if due to the virus you develop a critical illness that is included in our cover and you meet the claim criteria following our standard claims process, then your cover amount will be paid. For a full list of the conditions covered by our critical illness cover (see above).
No, our simple application hasn't been changed. We haven’t added any additional medical history questions, so you can still apply in as little as 5 minutes.
No, we haven't changed our pricing because of Coronavirus (COVID-19). While we may change prices for new customers in the future, we will never change the amount you pay once your cover is in place with us, unless you wish to make a change to your policy.
We haven’t changed or added any additional exclusions due to Coronavirus (COVID-19). For information on what is and isn’t covered in our policies, please read our Terms & Conditions.
Yes, you are still able to access our online application 24/7. We are still operating during the normal working hours of: Monday to Saturday: 8am-8pm and Sunday: 10am-6pm. You may experience some delays when getting in contact with our customer service team, but we are trying our best to respond to all emails and to speak to every customer who requires our help. Policy documents and correspondence will continue to be sent in the post to you, however there may be some delays. If the situation changes then we will provide an update on this website.
We understand that it can be difficult to know how to make disclosures sometimes, particularly for something that is new in all our lives. Our question set asks if you are waiting for tests or results. If you are waiting for Coronavirus (COVID-19) test or result, then this would be included under this question. The question set also asks if you have had any unexplained symptoms recently. This would include suspected symptoms of Coronavirus (COVID-19). Any other confirmed Coronavirus (COVID-19) cases should be disclosed under the abnormal test result or hospital questions where applicable. In the above circumstances, whilst we would not be able to consider an application immediately, we will be able to consider an application one month from the date of recovery if you have no residual complications and have returned to normal activities.
It is important that you follow the guidelines and advice set out by the government and the NHS. Please refer to the NHS website if you believe you have Coronavirus (COVID-19) symptoms. You don't need to make us aware unless you need to make a claim.
With the current pressures on GPs, we are expecting to experience delays receiving reports back from them but we are doing everything in our power to reduce the delays as much as possible. We will be open with our customers and communicate with them throughout the claims process, so they understand the status of their claim at all times.
We want our staff and customers to be safe during this period. We have been able to set most of our staff up for remote working and for those where their attendance in the office is essential, we have implemented social distancing measures.
The Bucket List Plan is a trading style of Resurety Ltd who manage the Bucket List Plan and is authorised and regulated by the Financial Conduct Authority FRN 920636.
Resurety Ltd is registered in England & Wales as a company no: 11904769.
Resurety Ltd, 1 King William Street, London EC4N 7AF
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