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An orchestra of protection

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

Life and Critical Illness

Enhanced claim payments

While the impact of any of the listed critical illnesses can be significant, often they affect older customers, or are progressive allowing customers to adapt their lifestyle to prepare ahead of the full impact of their condition.

This isn’t the case when the claim is as a direct result of an accident or early onset of a neurological condition. The financial impact on younger consumers can be much more significant and leaves them less time to plan financially for the future. This is why we added these two unique enhanced claim payment features:

  • Diagnosis of a specified neurological condition below age 45.
  • Enhanced claim payment as a result of an accident.

Diagnosis of a specified neurological condition below age 45

For six neurological conditions in our policy, we pay your client one and half times (150%) their cover, up to a maximum of £200,000 (on top of their original cover). This applies if they’re diagnosed under the age of 45.

  1. Alzheimer’s disease or other forms of dementia – resulting in permanent symptoms.
  2. Motor neurone disease – resulting in permanent symptoms.
  3. Multiple system atrophy – resulting in permanent symptoms.
  4. Parkinson’s disease – resulting in permanent symptoms.
  5. Parkinson plus syndromes – resulting in permanent symptoms.
  6. Progressive Supranuclear Palsy – resulting in permanent symptoms.

Enhanced claim payment as a result of an accident

We have ten full payment conditions where we pay your client twice the amount of their cover, up to a maximum of £200,000 (on top of their original cover). This applies if the claim is as a direct result of an accident.

  • Blindness - permanent and irreversible.
  • Coma – with associated permanent symptoms.
  • Deafness – permanent and irreversible.
  • Loss of hands or feet – permanent physical severance.
  • Loss of independent existence – unable to look after yourself ever again.
  • Loss of speech – permanent and irreversible.
  • Paralysis of limbs – total and irreversible.
  • Surgical removal of an eyeball.
  • Third degree burns – covering 20% of the body’s surface area or affecting 50% of the area of the face or head.
  • Traumatic brain injury – resulting in permanent symptoms.

Our enhanced claim payment (as a result of an accident) also applies to our children’s cover. The child claim payment is doubled up to a maximum of £50,000, if the claim is as a direct result of an accident.


Here are some examples of how these enhanced features work.

Neurological feature

Mr Smith has taken cover of £100,000; he's diagnosed with Parkinson's disease at age 38. He'll receive a payment from us of £150,000.

Mrs Brown, also aged 38 and diagnosed with Parkinson's disease has cover of £450,000. She'll receive a payment from us of £650,000.

Double accident feature

Mr White has taken cover of £100,000 and has to have his leg amputated as a direct result of a car accident. He'll receive payment of £200,000.

Ms Jones has taken cover of £500,000 and suffers a traumatic head injury after a horse riding accident. She'll receive a payment of £700,000.

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Flexible Protection Plan

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

View our Flexible Protection Plan

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Business Protection

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

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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

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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

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