PAL Protect

Let us introduce you to your PAL Protect. Personal Accident & Optional Life & Critical Illness Insurance for Military and MOD Personnel.

If you have been a PAX policy holder, you will know the PA and Optional Life & Critical Illness scheme ends from midnight on 31/05/23.
The good news is that your new PAL has got your back, and your cover with PAL Protect will start from 00.01 on 01/06/23 in a seamless transition.

The MoD will no longer stop payroll deduction from 01/06/23.

If you had cancelled your cover amid all the recent changes, but want it back, just complete & submit the new JPA PAL 1 form (below in the documents section) so that your Unit HR can reinstate it before 15/06/23. We will then treat the cover as if it has been continuous. There will be no gap in cover, and no new exclusions or underwriting for pre-existing medical conditions.

If you don’t want your cover to continue past 31/05/23, let your unit HR know with the cancellation form, and they will make the arrangements for you.

What Stays The Same?

  • The price
  • Payments will continue through Payroll Deduction
  • The Policy Wording
  • Your existing choice of family or individual cover
  • Your existing choice of Personal Accident only or including the Optional Life and Critical Illness Cover
  • The number of units you have already chosen
  • The ability to change the number of units from 1 – 15
  • The amounts insured for each potential claim cause
  • AIG as Insurer of the Personal Accident Cover
  • MetLife as the Insurer of the Optional Life and Critical Illness Cover
  • The Virtual GP service
  • Access to PTSD support after leaving the service
  • Legal Liability cover and limits
  • Legal Expenses cover and limits (but with a different insurer)
  • Presentations and help from the Valo Team

What Has Changed?

  • The Name – we are your new PAL.
  • The Legal Expenses Insurer has changed from Markel to AIG. However, the cover they offer is the same.
  • PAL Protect Helpline 01423 297297 (or +44 1423 297297 from overseas).
  • The Insurance Broker is now The Risk Factor Ltd – click here to find out more about us.
  • Payroll deduction will no longer stop from 01/06/23.
  • Every policy sold now includes a donation to PTSD Charities*
*PTSD Resolution – see their website here PTSD Resolution Charity for UK Forces Veterans Mental Health

What is Coming?

  • A new website from 1.6.23 – You will find us on
  • Extended helpline hours to be more available for questions and support 08:00 to 19:00 Monday to Friday and 10:00 to 12:00 on Saturdays
  • Online Chat with the Support Team.
  • Email queries and support from through
  • An IFA and a broker for advice if you need it.

Long Term Plans

  • Easier administration and the ability to change your policy 24/7.
  • More flexibility
  • Optional extras
  • Moving to a more Plain English Policy Wording
  • The ability to use other payment methods.
  • What is on your wish list? If you have suggestions for future changes, please send them to If we use your suggestion (and you are the first to suggest it), we will send you a little something to say thank you.


Here you can find new policy documents to download.


  • PAL Protect Helpline 01423 297297 (or +44 1423 297297 from overseas) for the TRF & Valo teams 09:00 – 19:00 Monday – Friday and 10:00 – 12:00 on Saturdays
  • AIG Helpline & Claims Line 020 8662 8126 (or +44 20 8662 8126) from overseas. Lines open 09.15 – 17:00 Monday – Friday
  • MetLife Claims Line 0800 9171 222 (or +44 1273 872 492 from overseas). Lines open 09.00 – 17:00 Monday – Friday)
  • PTSD Resolution Counselling Service 0300 302 0551. Lines open 09.00 – 17:00 Monday – Friday.
  • Virtual Medical Care – GP Consultation Service 02 034 990 658. Lines open 24 hours a day / 7 days a week.