Life and Critical Illness:


Covering your clients during tough times

Life changing moments can happen at any time. Our Life and Critical Illness cover protects your clients when the unexpected happens. So if they’ve been diagnosed with a serious illness or injury, we’re here for them.

We cover 87* conditions, including 49 full payment and 38 conditional payment conditions. Plus, we’ll cover your client’s children for 85 conditions under our standard Children’s Cover. 

Our Enhanced Children’s Cover includes added cover for 10-child-specific conditions – covering children for 95* conditions in total.  That means we’ll give a helping hand when it’s needed most.

*20 of these conditions are covered under 1 additional payment condition – ‘less advanced cancers.’

cancer cover

Cancer cover

Around 60% of our Critical Illness claims are for cancer. And we understand it’s a real concern for your clients. That’s why we support your client from diagnosis, to treatment and beyond.

Your clients are covered for a range of cancers, under the following additional payment conditions:

  • Less advanced cancers – of named sites and specified severity.
  • Gastrointestinal stromal tumour (GIST) or Neuroendocrine tumour (NET) of low malignant potential- with surgery
  • Other carcinomas in-situ – with surgery.

We also cover cancer as a full payment condition.

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Diagnosis of cancer

A cancer diagnosis is life changing. To support your client with any immediate financial worries, we’ll pay £1,000 upon receiving evidence of their diagnosis while their claim is being fully assessed.  This is paid if their condition and treatment meets the criteria for any of the cancers covered by this policy, and is not listed as an exclusion in their policy. To do this we’ll need: 

  • A copy of the diagnosis letter from your client’s consultant – showing the histological classification of the cancer.
  • Details of the proposed treatment.

This payment could help with any costs your client may be facing such as hospital travel, childcare or time off of work.

Receiving this payment doesn’t guarantee we’ll go on to pay the claim under a full payment condition or an additional payment condition as their final diagnosis and actual treatment may not meet the definition of the condition they’re claiming for.

This payment does not reduce the amount of cover, it acts as an additional payment. We will also pay this for any children covered by the policy.

Maggie's. Everyone's home of cancer care.

Maggie’s – the home of cancer care

Cancer affects more than your client’s finances. That’s why we’re working with Maggie’s. They’re a cancer charity that gives practical and emotional support to people living with cancer:

  • Practical support – including advice on eating well, coping with hair-loss and benefits.
  • Emotional support – with group and personal support from specialists.

Learn more about Maggie’s

Pill bottle next to a phone displaying a stephoscope

LV= Doctor Services

During times of uncertainty, we’re here for your clients. LV= Doctor Services give your clients a Second Opinion service. They get peace of mind and support - after a diagnosis or on a treatment plan. 

  • It’s a benefit with no extra cost to your clients
  • It may give a choice of treatment plans to consider.
  • Your clients can access Second Opinion at any time (for policies taken out from June 2017). We’ll also offer this service at claim for clients with an older policy.
  • This is a non-contractual benefit and can be removed at any time.

Key features

Part of the Flexible Protection Plan, our Life and Critical Illness cover comes with many features to support them along the way. Download the full features document here.
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Enhanced claim payments

Serious illnesses can affect anyone – at any age and any time. We've tailored our enhanced claim payments - this means your client will be covered for the three scenarios below.

Mr Smith has taken cover of £100,000; he’s diagnosed with Parkinson’s disease at age 38. He’ll receive a payment from us of £200,000.
Mrs Brown, also aged 38 and diagnosed with Motor Neurone disease has cover of £450,000. She'll receive a payment from us of £650,000.

Diagnosis of a neurological condition – for clients under the age of 55

Being under the age of 55 and facing a life-changing diagnosis is a scary time. So if your client is diagnosed with a neurological condition, we’ll pay them twice their cover amount. We’ll pay a maximum of £200,000 on top of their cover.

The neurological conditions covered are:

  • Alzheimer’s disease or other forms of dementia – resulting in permanent symptoms.
  • Motor Neurone Disease and specified diseases of the motor neurones - resulting in permanent symptoms.
  • Parkinson’s disease – resulting in permanent symptoms.
  • Parkinson-plus syndromes – resulting in permanent symptoms.
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Unique organ enhanced payment

If your client is diagnosed with one of the conditions below, we’ll pay twice their cover amount. There is a maximum payment of £200,000, on top of their cover.

  • Major organ transplant – from another donor.
  • Liver failure.
  • Severe lung disease.

Paul* was cutting wood for his stove when he had an accident and unfortunately cut off his hand. As his loss of limb was due to an accident we paid him double his sum assured and he received a payment of over £140,000.

*This case study is a real claim we paid in 2019, the name is used for illustrative purposes only

Unique enhanced claim payment for accidents

Accidents can have a huge impact on your client’s life. That’s why for ten of our full payment conditions, we’ll pay twice the amount of cover if it was as a direct result of an accident. Here we’ll pay them twice the amount of their cover – up to £200,000. 

The accidents covered are:
Blindness - permanent and irreversible.
Brain injury due to trauma, anoxia or hypoxia - resulting in permanent symptoms
Coma – with associated permanent symptoms.
Deafness – permanent and irreversible.
Loss of hand or foot – permanent physical severance.
Loss of independent existence – unable to look after yourself ever again.
Loss of speech – permanent and irreversible.
Paralysis of limb – total and irreversible.
Surgical removal of an eyeball.
Third degree burns - covering 20% of the body's surface area, or affecting 20% of the area of the face or head.

Our enhanced claim payment for accidents and organ enhanced payments also applies to both our standard and Enhanced Children's Cover. The claim payment is twice the amount of cover up to a maximum of £50,000, or up to £70,000 with Enhanced Children's Cover.
Contact Phone

Let’s talk

0800 678 1890

9am – 5:30pm, Monday – Friday

TextDirect: first dial 18801. We record and monitor calls for training and auditing.