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The Royal Sun Alliance, or RSA, is one of the oldest insurance companies still trading under its original name. The Sun was established in 1710, the Alliance in 1824 and The Royal in 1845. Royal Sun Alliance was formed in 1996 with the merger of Royal Insurance and Sun Alliance, and the group name was changed to RSA in 2008 to simplify and refresh the corporate brand. RSA also owns the More Than brand, and is now the second largest general insurer in the UK.
Royal Sun Alliance, or RSA, sell term life insurance as an affordable and universal form of protection for individual customers. The term of the plan is agreed when the policy is underwritten, and the policyholder is responsible for making fixed monthly payments called a premium. If the policyholder dies during the term of the policy, a lump cash settlement is paid out to the beneficiaries to cover funeral expenses and to help maintain their existing lifestyle.
Royal and Sun Alliance are one of the few companies that allow critical illness cover to be purchased as an add-on to a term life insurance policy. If the policyholder is stricken by an illness or disease listed within the terms and conditions of the policy, a lump cash settlement is paid out to their immediate family. Critical illness cover can be purchased separately, and it is important to note that cover will cease immediately if a critical illness claim is made on a term life insurance plan.
Mortgage protection insurance is a vital consideration for all homeowners, and leaves behind a cash sum that clears outstanding balances on a mortgage or loan if the policyholder dies. Mortgage protection insurance is subject to a decreasing term clause that loses value as balances are reduced.
Available as short-term and long-term income protection insurance, cover provides cash payouts if the policyholder loses their main source of income. Short-term cover pays out over 12 months for sickness, injury or unemployment, while long-term cover provides payments until the policyholder recovers or retires. Unemployment is not covered by long-term income protection insurance plans.
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