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Life Insurance with Critical Illness

Our life with critical illness cover can pay a lump sum if you die or suffer a critical illness

  • With 64 critical illnesses covered, we’re one of the market leaders
  • Up to £25,000 children’s critical illness cover at no extra cost
  • We pay claims quickly – and you can use your lump sum how you want

Why you might want to take out life insurance with critical illness cover

It's easy to think a critical illness isn’t going to happen to us, but should the worst happen you can help make sure your family and loved ones are protected by easing their financial worries.

Cover features

  • Pays a lump sum if you die, or are diagnosed with one of the 64 listed illnesses (including total permanent disability) during the term of your policy.
  • Includes partial payments for 20 conditions - if paid out your full amount of cover will continue.
  • Choose the amount of cover you need and how long you want it to last.
  • Option of choosing level, decreasing or inflation-linked cover (inflation-linked is not available on-line)
    Decreasing cover reduces the amount paid over time, inflation-linked increases each year in line with your premium, level is fixed and won't keep up with inflation.
  • Children’s critical illness cover included at no extra cost, from birth until 21st birthday (covered for all conditions apart from total permanent disability and diabetes mellitus type 1). Watch our video.
  • Cover available from £5 a month.
  • Choose guaranteed or reviewable premiums.
  • Joint cover available.
  • For an additional cost, your premiums could be paid if you're unable to work (waiver of premium).

Important information

  • You need to decide if this product is right for you and speak to a financial adviser if you’re not sure.
  • If you call, we offer advice on LV= products.
  • If you die, we'll normally pay the lump sum to your estate. Inheritance tax could apply to the part that's worth over £325,000 (tax years 2014/2015 to 2017/18).
  • We only pay for illnesses covered in our policy.
  • Critical illness claims will only be paid if you survive for at least 14 days after being diagnosed.
  • We won’t pay a claim if you die as a result of intentionally taking your own life within the first 12 months of your policy.
  • If you stop paying premiums you won't get any money back and you'll no longer be covered.
  • This is a term policy, so you will only be covered for the period you have chosen.
  • Once the policy ends, the cover stops and you get nothing back.

Our life with critical illness application is quick and easy

How to buy our life insurance with critical illness cover:

All we ask is that you're a UK resident, you're aged 17 to 64 when your policy starts (17 to 59 for inflation-linked cover). Your policy must last for at least 5 years (our minimum term), and can't last for longer than 40 years (our maximum term). The policy must end before any person insured reaches the age of 70.

  • Read the life insurance with critical illness product information to help you understand the benefits of the product.
  • Consider how much cover you need and the length of time you need the cover for.
  • The information given in these pages should not be seen as advice to take out this plan so If you're happy that the product meets your needs you can apply online or over the phone.

If you're not sure if this product is suitable for you or you'd like advice about our products please phone 0800 587 3057. Our lines are open Monday to Thursday 9am - 8pm or Fridays 9am - 5pm.

A real life story

Paul shares his experience with us.

Image of Paul

Children's critical illness cover

Nicola and Jeremy share their story about their son's illness.

Image of Nicola and Jeremy

You can also phone

Call our UK-based advisers for more information or a quote:


0800 756 8515
Quoting offer code IELO

TextDirect: 18001 0800 756 8515

9am - 8pm Monday to Thursday
9am - 5pm on Friday

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We've created lots of useful information to guide you through the process of finding which life insurance product is right for you.

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An insurance provider you can trust established in 1843.

  • 88% of claims paid in 2014
  • UK's largest friendly society
  • Policy summary
  • Policy conditions

View policy documents

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LV=, County Gates, Bournemouth, BH1 2NF, UK