The Exeter review

The Exeter underwrites cover itself, and its insurance types listed under life, income protection and health are life, income protection and health. That makes it a personal insurer for households, not a general insurer for cars, homes or travel. The legal entity is Exeter Friendly Society Limited.

The maximum benefit shown in Life (Real Life): max benefit GBP 3,000,000 sets the ceiling on the largest payout available. The figure is tied to the life product, so it is worth weighing against your own income and dependants before applying. It is a cap rather than a promised payout.

Yes. Monthly payments are offered, and the only model listed in monthly is monthly. There is no annual single premium option in monthly, so anyone who prefers to settle the premium once a year will need a different provider.

Two UK regulators apply to it. The Prudential Regulation Authority is named in the licences, and the Registrar of Friendly Societies is named alongside it on the friendly societies register. That second entry is the one that reflects its mutual structure.

Claims can be raised through phone, email and post, which covers phone, email and post. Post is listed as a claims route even though phone and email covers phone and email for day to day contact, so written claims are still accepted.

Support runs on phone and email, which lists phone and email. Claims have a wider set of routes in phone, email and post, so the number of contact options differs once a claim is under way rather than during an enquiry.

The eligible age band is set out in 18-80, taken from the life insurance pages. Applying outside that band would fall outside what the insurer lists, so anyone near either end of the range should check the wording before starting an application.

It is the insurer. The entity kind listed in insurer is insurer, with a headquarters in the United Kingdom, the United Kingdom. Because cover sits with the friendly society, terms are set by the underwriter rather than compared across a panel of insurers.