Life Insurance with Critical Illness

Get extra protection and peace of mind with Critical Illness cover

Get a Life with Critical Illness cover quote

What is Critical Illness cover?

What is Critical Illness cover?

How does Critical Illness Cover work?

It's easy to think a critical illness isn't going to happen to you, but should the worst happen you can help make sure your family and loved ones are protected by easing their financial worries. Life Insurance with Critical Illness will pay out if you die or are diagnosed with a critical illness during the term of the policy.

Do I need Critical Illness Cover?

Critical Illness cover can help minimise the financial impact on you and your family if you become critically ill. Adding it as an option when you take out Life Insurance, can give you the extra protection and the peace of mind you may need. 


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So, what will you get if you add Critical Illness cover to your life insurance?

Cover features

Let's take a closer look at what your Critical Illness cover will include

  • Enhanced claim payments for 16 of the 63 conditions covered.
  • Additional payments on top of your cover amount, for 20 of the 63 conditions covered.
  • If you're diagnosed with a terminal illness during the plan term you can ask us to pay out your insurance policy early.
  • Up to £25,000 worth of Critical Illness cover for your children from birth until their 21st birthday.
  • If a child's claim is made as a direct result of an accident for 10 conditions, we pay double - up to a maximum of £50,000.

Important information

Here's the need to know info, so you have the full picture

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  • Available to UK residents aged 17 to 64
  • Your policy must last for at least 5 years (our minimum term), and can't last for longer than 40 years (our maximum term). The policy must end before any person insured reaches the age of 70.
  • We only pay for illnesses covered in our policy and no others.
  • Adult critical illness claims will only be paid if you 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 you die as a result of intentionally taking your own life within the first 12 months of your policy.
  • If you stop paying your premiums you won't get any money back and your cover may stop.
  • This is a term policy, so you will only be covered for the length of cover you have chosen.
  • Once the policy ends, the cover stops and you won't get any money back.

Please read the policy summary and policy conditions to help you understand the full features of this product.

The information given in these pages should not be seen as advice to take out this plan so if you're happy that the product meets your needs you can apply online, or over the phone through LifeSearch.

Cover options

Get to know your critical illness cover options 

Financial Advice

Need advice?

We've chosen to partner with LifeSearch to offer you independent advice on which protection products are right for you.

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policy documents

A little extra info never hurt anyone, so have a read of our policy documents

You can get this and other documents from us in Braille, large print or audio by contacting us