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Life Insurance with Critical Illness

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

  • With a total of 63 critical illnesses covered, we’re one of the market leaders
  • Up to £25,000 children’s critical illness cover at no extra cost
  • We pay claims quickly – and you can use your money how you want
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Life Insurance with Critical Illness Cover

It's easy to think a critical illness isn’t going to happen to us, but should the worst happen you can help make sure your family and loved ones are protected by easing their financial worries.

Cover features

  • Pays a lump sum if you die, or are diagnosed with one of the 63 listed illnesses during the term of your policy.
  • Includes additional payments for 20 less serious conditions - if a claim is paid your cover remains in place for the full amount.
  • Choose the amount of cover you need and how long you want it to last.
  • Option of choosing level, decreasing or inflation-linked cover (inflation-linked is not available on-line)
    Decreasing cover reduces the amount paid over time, inflation-linked increases each year in line with your premium, level is fixed and won't keep up with inflation.
  • Children’s critical illness cover included at no extra cost, from birth until their 21st birthday (cover for all conditions apart from diabetes mellitus type 1).
  • Cover available from £5 a month.
  • Choose guaranteed or reviewable premiums.
  • Single cover for you or joint cover for you and your partner
  • For an additional cost, your premiums could be paid for you if you're unable to work (waiver of premium).

Important information

  • You need to decide if this product is right for you and speak to a financial adviser if you’re not sure.
  • If you die, we'll normally pay the lump sum to your estate. Inheritance tax could apply to the part that's worth over £325,000 (tax years 2017/2018 to 2020/21).
  • 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.
  • 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 period you have chosen.
  • Once the policy ends, the cover stops and you won't get any money back.
  • Please note that cover for total permanent disability isn't available if you apply online. If you require this cover please call our advisers on 0800 756 8103.

How to buy our life insurance with critical illness cover:

All we ask is that you're a UK resident, aged between 17 to 64 when your policy starts (17 to 59 for inflation-linked cover). 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.

  • Please read the life insurance with critical illness product information to help you understand the benefits of the product.
  • Consider how much cover you need and the length of time you need the cover for.
  • 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 call us on 0800 756 8103.

Get professional advice

0800 756 8103

TextDirect: 18001 0800 756 8103

9am - 5pm Monday to Friday

We may record and / or monitor calls for training and audit purposes.

We offer advice on a range of the protection products from the Liverpool Victoria group of companies only.

Looking for more general information?

Teachers Pension

Got a question about your final salary pension? Contact Teachers Pensions using your members login or call 0345 6066166 (8.30am – 6pm Monday to Friday).

Existing policyholders

If you're an existing Teachers Assurance customer, you can find contact details for life and home policies here.