Life and Critical Illness:

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Choosing your client's cover

It’s important for your clients to have cover that works for them, and looks after what matters most. We offer a range of options for you to build your client’s Life and Critical Illness policy according to their needs. Here are the options available:

Life and Critical Illness cover options

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Level cover

With level cover, the amount of cover is fixed at the start of the policy and won’t change. If your client chooses guaranteed premiums, the premium will also stay the same. With reviewable premiums, the premium may change. It may not keep up with inflation and will be worth less in the future.
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Inflation-linked cover

With inflation-linked cover, the cover amount increases each year – in-line with inflation. The premium increases with inflation, multiplied by 1.5. With reviewable premiums, the premium may change. We use the Retail Price Index (RPI).
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Decreasing cover

Decreasing cover is specifically designed to cover the reducing amount owed on a capital or interest repayment mortgage. Your client’s cover will go down each month. With reviewable premiums, the premium may change. 

Types of premium

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Guaranteed premiums

If your client opts for guaranteed premiums, their premiums are fixed – they won’t change unless they choose inflation-linked cover.

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Reviewable premiums

Your client’s premiums won’t change for the first 5 years. After this period, the premiums could be reviewed annually based on a number of pricing assumptions. Premiums are not guaranteed to stay the same – they could go up, down, or stay the same.
Please note: Reviewable premiums are only available with our Life and Enhanced Critical Illness policy.  Guaranteed premiums are available for both our Life and Critical Illness policy and Life and Enhanced Critical Illness policy.

Children’s Critical Illness cover

We provide the option for your client to add Enhanced Children’s Cover at an additional cost if they take out Life and Critical Illness cover.

For your clients that opt for Life and Enhanced Critical Illness, a standard level of Children’s Cover is included at no additional cost. If your client would like more comprehensive cover for your children they can increase this cover to Enhanced Children’s Cover. 

 

Features of our Children’s Cover

Standard Children's Cover

Included automatically with Life and Enhanced Critical Illness cover only.

  • Children are covered for 85 conditions - We cover 48 full payment conditions and 37* additional payment conditions including congenital conditions.

*20 conditions are included under one additional payment condition, ‘less advanced cancer’.

  • Covered from birth until their 23rd birthday - including step and legally adopted children) with no requirement to be in full time education.
  • No survival period requirement - unlike other providers we’ll cover your client’s child from birth and don’t require a 14-day survival period to pay a claim.
  • Claim payments of up to £25,000 or £50,000 if both parents hold a Life and Critical Illness policy.
  • Enhanced claim payments – against 2 types of scenario where your client's child suffers a listed condition. Learn more in our cover features.
  • Child funeral cover -  if your client's child dies between birth and their 23rd birthday or the end date of their policy, we will pay £5,000 towards the cost of their funeral.
  • Junior option providing cover from 23 - once your client’s child reaches their 23rd birthday they’ll have the option (within 6 months of their 23rd birthday) to take out their own Life and Critical Illness policy with us without the need for medical underwriting. This is for up to half the amount of cover on the parent’s policy and subject to a maximum cover amount of £25,000. This isn’t available if we’ve already paid a critical illness claim for that child.
  • Support through LV= Member Care Line and LV= Doctor Services.

Enhanced Children's Cover

Applies to both Life and Critical Illness cover and Life and Enhanced Critical Illness cover if selected at an additional cost.

  • Children are covered for 95 conditions - Including cover for 10 child-specific conditions. We cover 58 full payment conditions and 37* additional payment conditions in total including congenital conditions.

*20 conditions are included under one additional payment condition, ‘less advanced cancer’.

  • Covered from birth until their 23rd birthday - including step and legally adopted children) with no requirement to be in full time education.
  • No survival period requirement - unlike other providers we’ll cover your client’s child from birth and don’t require a 14-day survival period to pay a claim.
  • Claim payments of up to £35,000 or £70,000 if both parents hold a Life and Critical Illness policy.
  • Cover for pregnancy complications - We'll pay £5,000 your client suffers from one of six pregnancy complications.
  • Enhanced claim payments – against 2 types of scenario where your client's child suffers a listed condition. Learn more in our cover features.
  • Child funeral cover - we’ll cover from the 24th week of pregnancy for stillbirth (excluding elective pregnancy termination). If your client's child dies before their 23rd birthday or the end date of their policy, we will pay £5,000 towards the cost of their funeral.
  • Junior option providing cover from 23 - once your client’s child reaches their 23rd birthday they’ll have the option (within 6 months of their 23rd birthday) to take out their own Life and Critical Illness policy with us without the need for medical underwriting. This is for up to half the amount of cover on the parent’s policy and subject to a maximum cover amount of £35,000. This isn’t available if we’ve already paid a critical illness claim for that child.
  • Support through LV= Member Care Line and LV= Doctor Services.

Enhanced Children’s Cover

Supporting your client and their children is important to us. In addition to the above benefits, our Enhanced Children's Cover has the addition of 10 child-specific conditions and 6 pregnancy complications for your client. This could be perfect for your clients looking to start or grow their family, or for those looking for more comprehensive cover. 

Child-specific conditions

We’ll cover your client's children for 10 child-specific conditions including:

  • Cerebral palsy.
  • Child diabetes type 1 - requiring permanent insulin injections.
  • Child intensive care - requiring mechanical ventilation for 7 consecutive days.
  • Cystic fibrosis.
  • Down's syndrome.
  • Edward's syndrome.
  • Hydrocephalus - treated with the insertion of a shunt.
  • Muscular dystrophy.
  • Patau syndrome.
  • Spina bifida.

Pregnancy complications

We also cover 6 pregnancy complications:

  • Disseminated Intravascular Coagulation (DIC).
  • Eclampsia (excluding pre-eclampsia).
  • Ectopic pregnancy with surgery to remove a fallopian tube.
  • Foetal death in utero after between 20- and 24-weeks’ gestation (excluding elective pregnancy termination).
  • Hydatidiform mole.
  • Placental abruption (but excluding placenta praevia).

If your client needs to claim on their Enhanced Children’s Cover policy, they’ll receive a child’s claim payment of the lower amount - either 50% of the parents cover or up to £35,000, for any of the full payment or child specific conditions children covered by the policy.

For the pregnancy complications stated above, if the person insured is diagnosed with one of the listed conditions, we will pay £5,000 where we'll pay once per pregnancy.

Under Enhanced Children’s cover, we’ll cover from the 24th week of pregnancy for stillbirth (excluding elective pregnancy termination). If your client's child dies before their 23rd birthday or the end date of their policy, we will pay £5,000 towards the cost of their funeral.

Key documents

Learn more about our Life and Critical Illness plans through our range of sales aids, tools and guides.
Contact support call

Free medical and counselling services

Our Member Care Line is there when your client needs it most – 24 hours a day,
365 days a year.

From advice during pregnancy, to a tailored 16-23 Care Line for clients with older children, this can provide invaluable support to your clients and their family.

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.