Life and Critical Illness:

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Life and Critical Illness cover: at a glance

Our Life and Critical Illness cover gives your client peace of mind. They’ll be supported if they’re faced with a life-changing condition. 

Find key information to help you make a thorough comparison:
 
DetailsLife and Critical Illness coverLife and Enhanced Critical Illness coverWaiver of premium
Additional features
  • Option to add Enhanced Children's Cover.
  • Legal Advice Line.
  • LV= Doctor Services.
  • Guaranteed increase options.
  • Additional payment conditions.
  • Enhanced payments for certain conditions.
  • Total permanent disability.
  • Children's Cover (Critical Illness) with option to add Enhanced Children's Cover.
  • Legal Advice Line.
  • Available with Business Protection cover.
  • Junior option.
  • LV= Doctor Services.
  • Cost of diagnosis of cancer.
  • Guaranteed increase options.
  • Additional payment conditions.
  • Enhanced payments for certain conditions.
  • Total permanent disability.
N/A
Children's Cover optionsNot included automatically. Option to add Enhanced Children's Cover at an additional cost.Standard Children's Cover included automatically. Option to add Enhanced Children's Cover at an additional cost.Applies if enhanced children's cover has been added to the policy (Life and Critical Illness cover only)
Type of paymentLump sum/s - including our additional payment claims.Lump sum/s - including our additional payment claims.Pays monthly premiums after a waiting period.
Waiting periodNone.None.6 months**
Types of coverLevel, decreasing or inflation linked.Level, decreasing or inflation linked.N/A
TermBetween 5 and 50 years.Between 5 and 50 years.Age 69 years for inflation linked cover, age 79 years for level or decreasing cover, or the end of the policy term if earlier.
Minimum age attained at entry17 years.17 years.17 years.
Maximum age attained at entry59 years for inflation linked cover.
64 years for level or decreasing cover.		59 years for inflation linked cover.
64 years for level or decreasing cover.		59 years.
Maximum age attained at end of policy term69 years for inflation linked cover.
79 years for level or decreasing cover.		69 years for inflation linked cover.
79 years for level or decreasing cover.		69 years for inflation linked cover.
79 years for level or decreasing cover.
Minimum premium£5 a month.£5 a month.Based on the total plan premium.
Premium typesGuaranteed.Guaranteed.N/A
Eligibility criteriaYour client must be a permanent UK resident.Your client must be a permanent UK resident.Your client must be a permanent UK resident.
Number of Critical Illnesses covered
  • 41 conditions covered for the person insured.
  • Children are covered for 95* conditions under Enhanced Children's Cover (if selected).
  • *20 of these conditions are covered under 1 additional payment condition- 'Less advanced cancers'.
  • 87* conditions covered for the person insured.
  • Children are covered for 85* conditions included under Children's Cover (automatically included).
  • Children are covered for 95* conditions under Enhanced Children's Cover (if selected).
  • *20 of these conditions are covered under 1 additional payment condition- 'Less advanced cancers'.
N/A
Guaranteed Increase Options (limits apply please see the policy conditions for full details)
  • An increase in the mortgage as a result of moving home, or home improvements.
  • Mortgage extension.
  • An increase in rent as a result of moving into a new rental property or as a result of an increase imposed by the landlord.
  • Marriage or civil partnership.
  • Divorce or dissolution of civil partnership.
  • Converting a joint life policy on separation.
  • Birth or legal adoption of a child.
  • Their basic salary increases by more than 10%.
  • An increase in the mortgage as a result of moving home, or home improvements.
  • Mortgage extension.
  • An increase in rent as a result of moving into a new rental property or as a result of an increase imposed by the landlord.
  • Marriage or civil partnership.
  • Divorce or dissolution of civil partnership.
  • Converting a joint life policy on separation.
  • Birth or legal adoption of a child.
  • Their basic salary increases by more than 10%.
N/A
Other optionsN/ABusiness Protection coverN/A
** Except where Waiver of Premium is added to a LV= Flexible Protection Plan which includes an Income Protection or Personal Sick Pay policy. In which case, the Waiver of Premium policy will adopt the waiting period the client has chosen for Income Protection or Personal Sick Pay, subject to a minimum waiting period for Waiver of Premium of 1 month and a maximum waiting period of 6 months.
Contact Phone

Let’s talk

0800 678 1890

9am – 6pm, Monday – Friday

TextDirect: first dial 18801. We may record and/or monitor calls for training and audit purposes.