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Life Insurance with Critical Illness

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

  • With 64 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 money how you want
man in wheelchair next to women petting a dog

Critical Illness Claims FAQs

View more of our frequently asked claims questions below

How long does it take to receive my money?

We aim to transfer the money into your account within two days of receiving the final piece of paperwork required. From start to finish, a critical illness claim usually takes 4-6 weeks, depending on how quickly we receive the medical evidence we require.

When might a claim not be paid?

We wish we could pay all claims but there are some claims we can’t pay. The ABI (opens in a new window) have two definitions for declined claims; misrepresentation and not meeting the policy definition.

Misrepresentation is when important information is missed off the application form when the policy started. Information which could have meant you would not have been able to take out insurance with us, or been able to get insurance cover with us but with an exclusion. Common reasons are customers not telling us how much they smoke or drink when completing their application form, and then claiming for lung or liver cancer.

Not meeting the policy definition is when the terms and conditions of the policy are not met. An example of this might be a customer with a terminal illness and making a claim, but their doctor has said they have longer to live than 12 months (we won't pay if you don't meet our terminal illness conditions).

How soon after the death should you be told?

The family of the deceased should let us know as soon as possible. The sooner that they tell us, the sooner we can start work on the claim and, as long as it's covered by the policy, pay the claim.

What if a claim is fraudulent?

We won't pay a claim if we find out that it's fraudulent, for example if the insured person hasn't really died.

What happens if I don't pay my premiums?

In most cases your cover will stop and your policy will be cancelled. In this case you will not receive any money back.

What happens if the cover term has finished?

We won’t pay a claim if the term of the policy has finished or if the plan has been cancelled. For example, if a life insurance policy is taken out to cover the length of a mortgage and the person holding the plan dies after the term has finished.