{"id":24463,"date":"2023-05-24T16:02:07","date_gmt":"2023-05-24T15:02:07","guid":{"rendered":"https:\/\/www.theriskfactor.com\/?page_id=24463"},"modified":"2023-06-01T13:46:24","modified_gmt":"2023-06-01T12:46:24","slug":"pal","status":"publish","type":"page","link":"https:\/\/www.theriskfactor.com\/pal\/","title":{"rendered":"PAL"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"24463\" class=\"elementor elementor-24463\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-07666b4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"07666b4\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3f77b1e\" data-id=\"3f77b1e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-550ef81 elementor-widget elementor-widget-image\" data-id=\"550ef81\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.10.1 - 17-01-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\"  src=\"https:\/\/www.theriskfactor.com\/wp-content\/uploads\/2019\/10\/the-risk-factor-logo_fava_con-1.svg\" class=\"attachment-full size-full wp-image-23657\" alt=\"\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-dd6ccdd\" data-id=\"dd6ccdd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9010b22 elementor-widget elementor-widget-heading\" data-id=\"9010b22\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.10.1 - 17-01-2023 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">PAL Protect<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10563ea elementor-widget elementor-widget-text-editor\" data-id=\"10563ea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.10.1 - 17-01-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p style=\"color: #ffffff;\">Let us introduce you to your PAL Protect. Personal Accident &#038; Optional Life &#038; Critical Illness Insurance for Military and MOD Personnel.<\/p>\n<p style=\"color: #ffffff;\">If you have been a PAX policy holder, you will know the PA and Optional Life &#038; Critical Illness scheme ends from midnight on 31\/05\/23.\n<br\/>\nThe 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.<\/p>\n<p style=\"color: #ffffff;\">The MoD will no longer stop payroll deduction from 01\/06\/23.<\/p>\n<p style=\"color: #ffffff;\">If you had cancelled your cover amid all the recent changes, but want it back, just complete &#038; 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.<\/p>\n<p style=\"color: #ffffff;\">If you don\u2019t 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.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f155c23 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f155c23\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-6235d59\" data-id=\"6235d59\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-41a0408 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"41a0408\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"#whatstays\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">What Stays The Same?<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-11a102c\" data-id=\"11a102c\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b8cc7a3 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"b8cc7a3\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"#whatchanged\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">What Has Changed?<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4a00ec2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4a00ec2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0bbbe2d\" data-id=\"0bbbe2d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f4351d6 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"f4351d6\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"#whatscoming\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">What Is Coming?<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-0d44abe\" data-id=\"0d44abe\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8cfb4ae elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"8cfb4ae\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"#plansdocs\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Long Term Plans<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-e9970ac elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e9970ac\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-363ea4a\" data-id=\"363ea4a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-953f7a6 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"953f7a6\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"#plansdocs\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Documents<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7ba2772\" data-id=\"7ba2772\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-df2ce80 elementor-align-justify elementor-widget elementor-widget-button\" data-id=\"df2ce80\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"#helplines\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Helplines<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a9136b4 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a9136b4\" data-element_type=\"section\" id=\"whatstays\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3cef902\" data-id=\"3cef902\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5870c05 elementor-widget elementor-widget-heading\" data-id=\"5870c05\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Stays The Same?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7edabea elementor-widget elementor-widget-text-editor\" data-id=\"7edabea\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>The price<\/li><li>Payments will continue through Payroll Deduction<\/li><li>The Policy Wording<\/li><li>Your existing choice of family or individual cover<\/li><li>Your existing choice of Personal Accident only or including the Optional Life and Critical Illness Cover<\/li><li>The number of units you have already chosen<\/li><li>The ability to change the number of units from 1 \u2013 15<\/li><li>The amounts insured for each potential claim cause<\/li><li>AIG as Insurer of the Personal Accident Cover<\/li><li>MetLife as the Insurer of the Optional Life and Critical Illness Cover<\/li><li>The Virtual GP service<\/li><li>Access to PTSD support after leaving the service<\/li><li>Legal Liability cover and limits<\/li><li>Legal Expenses cover and limits (but with a different insurer)<\/li><li>Presentations and help from the Valo Team<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9a844f5\" data-id=\"9a844f5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1c98bd4 elementor-widget elementor-widget-image\" data-id=\"1c98bd4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.theriskfactor.com\/wp-content\/uploads\/2019\/10\/the-risk-factor-logo_fava_con-1.svg\" class=\"attachment-large size-large wp-image-23657\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.theriskfactor.com\/wp-content\/uploads\/\/2019\/10\/the-risk-factor-logo_fava_con-1.svg 150w, https:\/\/www.theriskfactor.com\/wp-content\/uploads\/\/2019\/10\/the-risk-factor-logo_fava_con-1.svg 300w, https:\/\/www.theriskfactor.com\/wp-content\/uploads\/\/2019\/10\/the-risk-factor-logo_fava_con-1.svg 1024w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-283cae3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"283cae3\" data-element_type=\"section\" id=\"whatchanged\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-4d4f4dc\" data-id=\"4d4f4dc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e49034c elementor-widget elementor-widget-image\" data-id=\"e49034c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.theriskfactor.com\/wp-content\/uploads\/2019\/10\/the-risk-factor-logo_fava_con-1.svg\" class=\"attachment-large size-large wp-image-23657\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.theriskfactor.com\/wp-content\/uploads\/\/2019\/10\/the-risk-factor-logo_fava_con-1.svg 150w, https:\/\/www.theriskfactor.com\/wp-content\/uploads\/\/2019\/10\/the-risk-factor-logo_fava_con-1.svg 300w, https:\/\/www.theriskfactor.com\/wp-content\/uploads\/\/2019\/10\/the-risk-factor-logo_fava_con-1.svg 1024w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-188daf9\" data-id=\"188daf9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f850e19 elementor-widget elementor-widget-heading\" data-id=\"f850e19\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What Has Changed?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56e48d6 elementor-widget elementor-widget-text-editor\" data-id=\"56e48d6\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul style=\"color:white\">\n \t<li>The Name &#8211; we are your new PAL.<\/li>\n \t<li>The Legal Expenses Insurer has changed from Markel to AIG. However, the cover they offer is the same.<\/li>\n \t<li>PAL Protect Helpline 01423 297297 (or +44 1423 297297 from overseas).<\/li>\n \t<li>The Insurance Broker is now The Risk Factor Ltd \u2013 <a href=\"https:\/\/www.theriskfactor.com\/about-us\/\">click here<\/a> to find out more about us.<\/li>\n \t<li>Payroll deduction will no longer stop from 01\/06\/23.<\/li>\n \t<li>Every policy sold now includes a donation to PTSD Charities*<\/li>\n<\/ul>\n<span  style=\"color:white; font-size:0.8rem\"> *PTSD Resolution &#8211; see their website here <a href=\"https:\/\/ptsdresolution.org\/\" target=\"_blank\" rel=\"noopener\">PTSD Resolution Charity for UK Forces Veterans Mental Health<\/a><\/span>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-696053a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"696053a\" data-element_type=\"section\" id=\"whatscoming\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f3d0845\" data-id=\"f3d0845\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-06b3e73 elementor-widget elementor-widget-heading\" data-id=\"06b3e73\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What is Coming?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08d79bf elementor-widget elementor-widget-text-editor\" data-id=\"08d79bf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>A new website from 1.6.23 \u2013 You will find us on <a href=\"https:\/\/urldefense.com\/v3\/__http:\/www.palprotect.com__;!!NT3rrZz_VG2e!ObWNZfoI2_M_niF8P674oZgziq7cuw3cTXDBT42h69GiLpSDDtW-9zwWL8sjhvJdXBoFZzSscK8sdrmqzZnWyEhUu6ZuyA$\" target=\"_blank\" rel=\"noopener\">www.palprotect.com<\/a><\/li><li>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<\/li><li>Online Chat with the Support Team.<\/li><li>Email queries and support from through <a href=\"mailto:PAL@theriskfactor.com\">PAL@theriskfactor.com<\/a> <\/li><li>An IFA and a broker for advice if you need it.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-e2380bd\" data-id=\"e2380bd\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-77af8d3 elementor-widget elementor-widget-image\" data-id=\"77af8d3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.theriskfactor.com\/wp-content\/uploads\/2019\/10\/the-risk-factor-logo_fava_con-1.svg\" class=\"attachment-large size-large wp-image-23657\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.theriskfactor.com\/wp-content\/uploads\/\/2019\/10\/the-risk-factor-logo_fava_con-1.svg 150w, https:\/\/www.theriskfactor.com\/wp-content\/uploads\/\/2019\/10\/the-risk-factor-logo_fava_con-1.svg 300w, https:\/\/www.theriskfactor.com\/wp-content\/uploads\/\/2019\/10\/the-risk-factor-logo_fava_con-1.svg 1024w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-fac70cd elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fac70cd\" data-element_type=\"section\" id=\"plansdocs\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-b50fb9f\" data-id=\"b50fb9f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3f6028e elementor-widget elementor-widget-heading\" data-id=\"3f6028e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Long Term Plans<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5997aba elementor-widget elementor-widget-text-editor\" data-id=\"5997aba\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li><span style=\"color: #ffffff;\">Easier administration and the ability to change your policy 24\/7.<\/span><\/li><li><span style=\"color: #ffffff;\">More flexibility<\/span><\/li><li><span style=\"color: #ffffff;\">Optional extras<\/span><\/li><li><span style=\"color: #ffffff;\">Moving to a more Plain English Policy Wording<\/span><\/li><li><span style=\"color: #ffffff;\">The ability to use other payment methods.<\/span><\/li><li><span style=\"color: #ffffff;\">What is on your wish list? If you have suggestions for future changes, please send them to <a href=\"mailto:MoD@theriskfactor.com\">MoD@theriskfactor.com<\/a>. If we use your suggestion (and you are the first to suggest it), we will send you a little something to say thank you.<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-fc48930\" data-id=\"fc48930\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ae324b elementor-widget elementor-widget-heading\" data-id=\"4ae324b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Documents<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b43d5e0 elementor-widget elementor-widget-text-editor\" data-id=\"b43d5e0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<span style=\"color: #ffffff;\">Here you can find new policy documents to download.<\/span>\n<ul>\n \t<li><a href=\"https:\/\/www.theriskfactor.com\/wp-content\/uploads\/2023\/06\/PAL-Protect-Policy-Wording-0623-Final.pdf\" target=\"_blank\" rel=\"noopener\">PAL Policy Wording<\/a><\/li>\n \t<li><span style=\"color: #ffffff;\">PAL Application \/ Change request form JPA PAL 1<\/span><\/li>\n \t<li><a href=\"https:\/\/www.theriskfactor.com\/wp-content\/uploads\/2023\/06\/AIG-IPID-PAL-P-0623-Final.pdf\" target=\"_blank\" rel=\"noopener\">IPID<\/a><\/li>\n \t<li><a href=\"https:\/\/www.theriskfactor.com\/wp-content\/uploads\/2023\/06\/PAL-Protect-Summary-of-Changes-0623-Final.pdf\" target=\"_blank\" rel=\"noopener\">Policy Changes Notice<\/a><\/li>\n \t<li><a href=\"https:\/\/www.theriskfactor.com\/wp-content\/uploads\/2023\/06\/PAL-Protect-Important-Information-Flyer-0623-Final.pdf\" target=\"_blank\" rel=\"noopener\">Important Information \/ Demands and Needs<\/a><\/li>\n \t<li><span style=\"color: #ffffff;\">TRF TOBA<\/span><\/li>\n<\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7a5decd elementor-widget elementor-widget-html\" data-id=\"7a5decd\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\n    .elementor-widget-text-editor ul {\n        margin-left:1rem;\n    }\n    #whatchanged ul li::marker,\n    #plansdocs ul li::marker {\n        color:white;\n    }\n<\/style>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7a53228 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a53228\" data-element_type=\"section\" id=\"helplines\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-255ab58\" data-id=\"255ab58\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-605ce87 elementor-widget elementor-widget-heading\" data-id=\"605ce87\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Helplines<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36eb0ae elementor-widget elementor-widget-text-editor\" data-id=\"36eb0ae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li>PAL Protect Helpline <a href=\"tel:01423297297\">01423 297297<\/a> (or <a href=\"tel:+441423297297\">+44 1423 297297<\/a> from overseas) for the TRF &amp; Valo teams 09:00 \u2013 19:00 Monday \u2013 Friday and 10:00 \u2013 12:00 on Saturdays<\/li><li>AIG Helpline &amp; Claims Line <a href=\"tel:02086628126\">020 8662 8126<\/a> (or <a href=\"tel:+442086628126\">+44 20 8662 8126<\/a>) from overseas. Lines open 09.15 \u2013 17:00 Monday \u2013 Friday<\/li><li>MetLife Claims Line <a href=\"tel:08009171222\">0800 9171 222<\/a> (or <a href=\"tel:+44 1273872492\">+44 1273 872 492<\/a> from overseas). Lines open 09.00 \u2013 17:00 Monday \u2013 Friday)<\/li><li>PTSD Resolution Counselling Service <a href=\"tel:03003020551\">0300 302 0551<\/a>. Lines open 09.00 \u2013 17:00 Monday \u2013 Friday.<\/li><li>Virtual Medical Care \u2013 GP Consultation Service <a href=\"tel:02034990658\">02 034 990 658<\/a>. Lines open 24 hours a day \/ 7 days a week.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-42d3be2\" data-id=\"42d3be2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b81b8b9 elementor-widget elementor-widget-image\" data-id=\"b81b8b9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.theriskfactor.com\/wp-content\/uploads\/2019\/10\/the-risk-factor-logo_fava_con-1.svg\" class=\"attachment-large size-large wp-image-23657\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.theriskfactor.com\/wp-content\/uploads\/\/2019\/10\/the-risk-factor-logo_fava_con-1.svg 150w, https:\/\/www.theriskfactor.com\/wp-content\/uploads\/\/2019\/10\/the-risk-factor-logo_fava_con-1.svg 300w, https:\/\/www.theriskfactor.com\/wp-content\/uploads\/\/2019\/10\/the-risk-factor-logo_fava_con-1.svg 1024w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>PAL Protect Let us introduce you to your PAL Protect. Personal Accident &#038; Optional Life &#038; Critical Illness Insurance for Military and MOD Personnel. If you have been a PAX policy holder, you will know the PA and Optional Life &#038; Critical Illness scheme ends&#8230;<\/p>\n","protected":false},"author":548,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_mi_skip_tracking":false},"_links":{"self":[{"href":"https:\/\/www.theriskfactor.com\/wp-json\/wp\/v2\/pages\/24463"}],"collection":[{"href":"https:\/\/www.theriskfactor.com\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.theriskfactor.com\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.theriskfactor.com\/wp-json\/wp\/v2\/users\/548"}],"replies":[{"embeddable":true,"href":"https:\/\/www.theriskfactor.com\/wp-json\/wp\/v2\/comments?post=24463"}],"version-history":[{"count":66,"href":"https:\/\/www.theriskfactor.com\/wp-json\/wp\/v2\/pages\/24463\/revisions"}],"predecessor-version":[{"id":24544,"href":"https:\/\/www.theriskfactor.com\/wp-json\/wp\/v2\/pages\/24463\/revisions\/24544"}],"wp:attachment":[{"href":"https:\/\/www.theriskfactor.com\/wp-json\/wp\/v2\/media?parent=24463"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}