Personal Menu Plan life cover
OUR ASSESSMENT
The menu structure allows separate needs to be coordinated without treating them as one undifferentiated lump sum.
Features to compare
- The adviser-arranged Personal Menu Plan can combine life, critical illness and income-protection sections.
- Different sums and terms can be selected within the same plan.
Limitations and checks
- Only selected sections apply. A combined plan is not proof that every risk is covered or that each section has the same term.
The question to ask
Which sections are independent, and does claiming on one reduce or end another?
Before arranging cover
Use the current policy wording and your quotation schedule to confirm these points. Our assessment is desk research, not a first-hand claims test or a personal recommendation. We have not assigned a product score or established comparable claims-service performance.
Sources & further reading
Checked 2026-09-27. Policy terms and source ratings can change.
Provider information checked 2026-09-27. The linked provider information supports the product summary; the assessment and questions are Coverwell editorial analysis. Availability and accepted terms depend on the quotation.
