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 Article on: SHEPHERDS FRIENDLY SOCIETY Life Assurance ~ Broker Help 2020

Shepherds Friendly Society

SHEPHERDS FRIENDLY SOCIETY 

Shepherds Friendly Society has been joining together with people in the community to offer them care and protection since 1826 - based from their head office in Cheadle, Cheshire.

Shepherds Friendly began life as a sickness & benefits society and were an amalgamation of various fraternal groups - The Royal Shepherds Sanctuary Benefit Society which was established in Yorkshire in the early 19th century, Ashton Unity and the Ancient Order of Shepherds.

Shephards Friendly Society has therefore grown from a traditional insurance provider - to today a modern broadly based financial organisation.

 Shepherd Friendly Society product range today includes mainly various savings plans, Income Protection & over 50's lifecover. In the past they were also multi-tied for, mortgage protection, level term assurance & Critical Illness.

Shepherds Friendly Society in 2020 includes distribution mainly via local office branch, brokers & partially sales through the web. 

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Shepherds Friendly Society

SHEPHERDS FRIENDLY INSURANCE - Frequently Asked Broker Questions

What if my health or lifestyle changes after I have taken out the Shepherds  Friendly Insurance policy out ?

Income Insurance cover is underwritten. As such it is based on full disclosure at the time you took the policy out. So any health or lifestyle changes since does not void your existing policy, as it wasn't relevant at that time of initial application. Please check your original T&C's 

If I started smoking after taking out Shepherds Friendly Insurance - Do I need to now tell them ?

If you had legitimately stopped smoking for over 12 months at that time of original application, you may wish to advise the Insurers you have started smoking again - but this should not affect the original policy terms which should still stand - you were being honest. Also maybe suggest letting your GP know if this is the case. 

How do I make a Death Claim ?

Check firstly if premiums are still being paid or alternatively is the policy perhaps "paid up" meaning no further premiums were needed. 

Then contact the Insurers claims line to inform them. They will provide you with their claim form for completion. You will need to send in a number of documents, most importantly being the death certificate proving the cause of death.

Insurers ( as well as other Providers ) will need the original death certificate, so ideally ask for several certified copies. Enclose your policy document, if you can find it and then send by recorded delivery or registered post to Insurers. 

Once received, the Insurers usually cross check all information before processing and settling a valid claim ie; was the medical & lifestyle information correct at the time of original application

If everything is hopefully in order, the Insurer may pay out a claim & usually in a matter of days or weeks.

Death Claims, Life Insurance Trusts & Life of Another

Who the life insurance maybe actually then paid out to can be more complicated & many people wrongly assume it is a simple process.

As it is a single life policy it can be more complex. Check if the policy was setup & written into a trust. If so the Insurer will pay the life insurance via the trustees named to the nominated beneficiaries directly. Sometimes there are a named beneficiary & others times a list of potential beneficiaries. The life insurance paid out doesn’t have to be included in the legal documents sent for probate and potentially it won’t be liable for inheritance tax either.

Should I put my Shepherds Friendly Life Insurance policy into Trust ?

If the life insurance wasn’t written into trust, it will be paid to the executors of the deceased’s estate. They will handle the administration, known as probate in N Ireland, England, Wales and confirmation in Scotland. If not, the benefits will fall into your estate if you died prematurely. If you have not made a will this can then cause further complications with the life insurance monies.

Until probate is fully granted, no monies can be paid out to those named in the will. On average, this can take upto 6 months. By not placing the plan into trust may also swell up the total estate values, leading to potentially Inheritance Tax IHT issues

So placing a policy in trust can help to ensure that the policy proceeds go to the correct beneficiaries you decide to nominate at that stage & help avoid possible probate delays & IHT costs. Ask the Insurers if they provide any standard trust form wordings & seek legal advice if unsure.

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Article on: Shepherds Friendly Society Life Insurance ~ for more information visit www.shepherdsfriendly.co.uk 

( * Note: You are now leaving the regulated site of Uk Life Insurance Quotes. Neither ourselves, nor Sesame Ltd, is responsible for the accuracy of the information contained within the linked site.) 

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