How to… sell personal accident cover
▶ There is a common misconception that personal accident (PA) cover is difficult to sell and administer – this is not the case. It is incredibly flexible – there are no rules about the number of employees or size of premium and the benefits can be delivered in a variety of ways.
A policy can provide lump-sum payments in the event of accidental death or injury or temporary benefits to cover an employee being absent from work for a few weeks. Cover can apply either on a 24-hour basis (covering employees at all times), or on a selected ‘operative time’ basis set by the business. An experienced PA underwriter will be able to discuss with brokers what might be most appropriate for their clients.
To help clients get in the mindset of understanding the benefits of PA cover
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