Critical Illness Cover | Critical Illness Insurance Policies

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 48 listed illnesses (including total permanent disability) during the term of your policy.
Includes partial payments for seven 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, inflation-linked or decreasing cover (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 (covered for all conditions apart from total permanent disability).
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).
You can change your amount of cover or the end date of your policy at any time.

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 2013/2014 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.
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

Get a quote

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 59 when your policy starts. 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 756 8515. Our lines are open Monday to Thursday 9am - 8pm or Fridays 9am - 5pm.

Get a quote

You can also phone
Call our UK-based advisers for more information or a quote:

0800 756 8515
Quoting offer code IELO

Textphone: 18001 0800 756 8515

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We offer advice on LV= products only