Life insurance with critical illness
Life insurance isn't the easiest thing to talk about, but from just a few pounds a month you can help make sure that your family is financially looked after.
The following information shouldn’t be considered as advice to take out our policy. It’s up to you to decide if it’s right for you. If in any doubt please contact us or visit our financial advice & guidance section.
Quick guide
- Extra peace of mind for you and your family
- Lump sum payment
- Choose how much cover you want
- Flexibility to amend your cover
- Level or decreasing cover
- Guaranteed or reviewable premiums
- Available for single or joint life
- Include waiver of premium
- Child cover added at no extra cost
(reduced number of illnesses/conditions)
5 Star Rated combined life & critical illness cover.
Important things you should know
- If you stop paying your premiums you may not be covered, and if you cancel your policy, you won't get back any premiums paid.
- 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 year 2010/2011).
- For level cover, the amount of cover is fixed when your policy starts. It won't keep up with inflation, and will buy less in the future.
- We only pay for the illnesses covered in our policy, and no others.
- If you're claiming for critical illness cover we'll pay your claim as long as you live for at least 14 days after being diagnosed.
To apply for life insurance with critical illness:
All we ask is that:
- you're a UK resident
- you're between 17 and 59
- your policy lasts for at least five years
- your premium is at least £5 a month
