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Liverpool Victoria announces new rates for Critical Illness Protection

From 21 July 2006, we have re-priced our rates for stand alone CI and combined Life and CI individual protection covers.

The re-price means reduced premiums and demonstrates our involvement in the protection market.

What do I need to know?

In addition to our reduced premium rates we have taken the opportunity to review our terms and conditions. From 21 July onwards, the following changes will apply:

  • The Critical Illness maximum term of 45 years has now been reduced to 40 years.
  • Infection of HIV as a result of an Assault. Subject to the normal policy requirements, the actual Assault may now have occurred in the UK, or EU.
  • The life assured being infected by HIV as a result of a blood transfusion received in the UK or EU after the commencement date of the policy.
  • The life assured’s normal occupation can now be in the UK or EU.
  • All blood tests must be carried out in the UK or EU.
  • The condition Aplastic Anaemia has been removed.
  • The condition Rheumatoid Arthritis has been removed.
  • Bacterial meningitis is now restricted to only cover children under age 18.

Please note: These changes only affect new policies and variations to existing policies via the Guaranteed Insurability Options.

What about quotations?

It’s simple – quotations issued after 21 July 2006 will be subject to the new premium rates.

But what happens to applications with a valid quotation dated on or prior to 21 July 2006? The following explains:

How do I get a quote?

It’s easy - get a quote online on this website or speak to our Quotes team on 0845 6020690 (9am – 5.30pm Monday to Friday). For textphone, first dial 18001. For further information please contact our Quotes Team or your Account Manager.

Calls may be recorded for training and monitoring purposes. We are able to provide literature and communications in the following alternative formats: Braille, large print, audiotape. Should you require information on this product or service in any of these formats, please contact us.

This information is for use by UK financial advisers only. It must not be distributed to, or used with, customers.

    Liverpool Victoria Financial Services Limited, registered in England with registration number 12383237. County Gates, Bournemouth, BH1 2NF, UK