information

We use cookies to give you the best possible experience online. By continuing to use our website, you agree to receiving our cookies on your web browser. Visit our cookie policy page to find out more and how to change your cookie settings.

skip to main content

An orchestra of protection

Our Critical Illness cover has more than one string to its bow

Life and Critical Illness

While it's easier to explain the importance of life cover, something often overlooked by clients is what would happen if they were diagnosed with a critical illness. In some cases this can mean never returning to full health and could dramatically alter your client's financial situation.

Our Life and Critical Illness policy, part of the Flexible Protection Plan, is one of the most comprehensive in the market. The latest enhancements can now provide your clients with wider coverage, more partial payment options for less severe conditions, and larger payments for some conditions.

Cover features

  • Pays a cash lump sum on death or one of the specified conditions during the term.
  • 64 conditions including 44 full payment, 20 additional payment conditions and 17 ABI+ definitions providing wider coverage (and so a greater chance a claim will be paid) than the standard ABI definitions.
  • Broader claim definitions so we can pay more claims or pay them quicker.
  • Enhanced claim payments for 16 conditions.
  • Flexible cover options.
  • Level, inflation-linked or decreasing cover.
  • Value added services.
  • Children's critical illness cover automatically included.

Important information

  • Your client is covered for the conditions listed in the policy conditions and no others.
  • If your client stops paying their premiums, they won't get any money back and their cover could stop.
  • To make a claim, your client must survive for at least 14 days after being diagnosed (this doesn't apply to claims for children's cover).
  • We won't pay a claim if they take their own life within the first 12 months of the policy.

Service features

  • Competitive non-medical underwriting limits.
  • Pre-underwriting helpline.
  • Dedicated large case team.
  • Online tele-interview booking.

Early payments on death claims

To support your client’s family during a bereavement, we’ll offer an optional £10,000 early payment (or pay a smaller amount if they prefer) and will aim to pay the money within 24 hours.


Life and Critical illness forms part of our Flexible Protection Plan and can be applied for along with income protection. Discounts apply when your client has more than one protection product with us.

Quote and apply supported by intelligent online underwriting and 10% LAUTRO uplift

You can quote and apply online here, or through the main adviser comparison sites. Whenever you apply online, you’ll get an extra 10% lautro commission on top of your agreed commission levels. Otherwise you can send us a completed application form in the post. Find out if your client is eligible.

More on the portals we work with

Image alt text

Flexible Protection Plan

Take a look at the other protection products we offer with our Flexible Protection Plan.

View our Flexible Protection Plan

Briefcase icon

Business Protection

Whether you’re new or experienced, our Business Protection products, tools & calculators will support you.

More about Business Protection

Image alt text

Children's cover

No one ever wants to imagine their child becoming critically ill. But sadly, it does happen

More about our children's cover

Image alt text

Large Case Team

If your client's Life Protection benefit is £1m or more, we can offer dedicated support.

More about our Large Case Team

Connect with us

About protection

Vimeo logoLinkedIn company logoTwitter icon showing a bluebird

FOR UK FINANCIAL ADVISERS ONLY
LV=, County Gates, Bournemouth, BH1 2NF, UK