When we receive an application we may be able to offer your client cover before their plan starts.

Instant Cover is available when your client takes out any of the following covers for a business loan:

• Life Cover
• Critical Illness Cover
• Life or Critical Illness Cover
• Income Cover for Sickness.

Instant Cover is not available on Key Person Income Cover for Sickness or Children's Critical Illness Cover.

Our Instant Cover is available to residents of the UK, Channel Islands and Isle of Man who are under the age of 55 when we receive their application form.

The maximum amounts of cover are:

• Life Cover - £500,000
• Critical Illness Cover and Life or Critical Illness Cover - £250,000 for lump sum covers and £5,000 a year for income covers
• Income Cover for Sickness - £15,000 a year
• We will limit Instant Cover to the amount of your client's loan. For Income Cover for Sickness claims this means the maximum we will pay is the amount of your client's loan payments.

Instant Cover is only available if, when we receive the application form, your client has answered all the questions in full and has completed the Direct Debit section correctly and in full. We will not offer Instant Cover even if we receive any missing information at a later date.

If your client chooses Life or Critical Illness Cover with guaranteed payments, Instant Cover is only available if:

• your client answers 'no' to all of the questions in the 'your health' section of the application form
• your client's answers to the questions in the 'residency and travel', 'your lifestyle' and 'leisure activities' sections of the application form do not lead to us immediately giving non-standard terms, or asking for more information.

You will find full details of our Instant Cover in our key facts document.