Life Insurance with Critical Illness

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

With a total of 48 critical illnesses covered we’re one of the market leaders

Up to £25,000 children’s critical illness cover included at no extra cost

We pay claims quickly – and you can use your lump sum how you want

Critical illness claims we paid in 2012

We pride ourselves on the amount of claims we pay. In 2012 we paid out on over 91% of claims which is an improvement on the claims we paid in 2011.

Sometimes claims have to be declined. Below are the reasons for declining claims in 2012.

Reasons for declining a claim
Non-disclosure	2.2%
Not meeting the claim definition	6.5%
Total declined claims	8.7%

The table below shows the causes for the claims paid in 2012

Cause of claim	Example	%
Cancers	Thyroid, testicular, breast, prostate, etc	64.8%
Heart attack and other conditions	Coronary artery disease - bypass, heart valve replacement	18.2%
Stroke	Cerebrovascular accident, Ischaemic stroke	4.5%
Parkinson's disease and other neurological conditions	Dementia, Alzheimer's	4.5%
Total and Permanent Disability	Road traffic accident, mental disorder	1.7%
Multiple Sclerosis	Multiple Sclerosis	1.1%
Others	Kidney failure, coma, organ transplant	5.1%
Total		100%