This £10 a Month Insurance Product Could be the Best You Can Get

Imagine slipping on a ski slope in the Alps, breaking a leg, and spending days in a European hospital... only to receive daily cash payouts to cover your bills, plus a lump sum for the fracture – all without a single medical question asked. Or picture your child diagnosed with cancer and getting an immediate £25,000 payout to ease the burden. This isn't a dream – it's the reality of MetLife MultiProtect, the affordable, no-fuss protection plan that's changing lives.

As an adviser in a network which has access to this unique policy, I'm thrilled to offer this adviser-only policy that no one else can match. Our network alone provides full EU hospitalisation coverage across select European countries – perfect for frequent travellers, expats, or anyone holidaying abroad. Direct online versions (like EverydayProtect) simply don't include this vital perk. And the best part? No medical underwriting whatsoever. If you're under 65, you're guaranteed acceptance, with coverage lasting right up to your 75th birthday (benefits reduce by 50% from age 70).

Why wait for the unexpected? Let's dive into why MultiProtect is a must-have. 

Affordable, Tailored Protection from Just £10/Month

MetLife MultiProtect lets you build your perfect plan with 1 to 5 units of cover. The more units, the higher the payouts – and premiums stay incredibly low:

More units = bigger benefits. Scale up for total peace of mind – all without health checks or exclusions for pre-existing conditions.

Core Cover: Cash When You Need It Most

From minor mishaps to life-changing accidents, Core Cover pays out fast:

• Broken Bones: £1,000–£5,000 (major, e.g. hip/leg) or £250–£1,250 (minor).
• Hospital Cash: £50–£250 per 24 hours in UK or EU hospitals (accident immediate; sickness after 12 months). Exclusive to our network – get paid even on a family holiday in Spain or France!
• Permanent Injuries: Up to £125,000 for paralysis, £100,000 for blindness/loss of limbs.
• Accidental Death: £40,000–£200,000.
• Total Permanent Disablement: Up to £250,000 (accident only).
• Non-Accidental Death Benefit: Premiums refunded in year 1, scaling to £20,000 from year 5.

Max £50,000 per unit for one accident or hospital stay – policy ends if max paid.

Optional Child Cover: Protect Your Little Ones (From Birth to 22)

Add for just £2–£10/month per unit. Includes everything in Core (scaled down) plus £5,000–£25,000 for cancer diagnosis – a lifeline many families desperately need.

• Broken bones: £250–£1,250 (major).
• Hospital cash: £20–£100 per 24 hours.
• Unique burn coverage referred to specialist unit.

Optional Active Lifestyle Cover: For Sporty Types

Love hiking, cycling, or gym sessions? Add £1–£5/month per unit:

• Dislocation: £1,000–£5,000.
• Full ligament tear (knee/ankle): £1,000–£5,000.
• Partial tear: £500–£2,500.
• Tendon rupture (Achilles, rotator cuff, etc.): £1,000–£5,000.

One claim per type per year – perfect for weekend warriors.

Why Choose MetLife MultiProtect Through Me?

• Guaranteed Acceptance: No medicals, no refusals – apply if 18–64.
• Worldwide Injury Cover, EU Hospital Cash: Only our adviser network delivers this seamless European protection.
• Adviser-Only Exclusivity: You can't buy this enhanced version direct. I handle everything – tailoring units, explaining claims (fast and simple), and ensuring max value.
• Tax-Free Payouts Straight to Your Bank: Cash to spend as you wish – bills, recovery, or family support.
• Proven by MetLife: Backed by a global giant, regulated by the FCA and Prudential Regulation Authority.

In 2025, with rising medical costs and more of us travelling Europe, this policy is brilliant.