Life and Critical Illness:

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Children’s Critical Illness cover

The health of your client’s children is a priority. No-one wants to think of their child becoming seriously ill. It’s rare, but it can happen. Although money will be the last thing on your client’s mind, unexpected costs – like time out of work, child care, or adaptations to their home – can have a financial and emotional impact on their family.

We have two options for children's cover, offering different levels of protection:

  • Our standard Children’s Cover is included in your clients' policy automatically and at no additional cost. This covers 85 conditions and pays a lump sum equal to half the amount of cover on the main policy (subject to a maximum payment of £25,000) if your client’s child is diagnosed with a life-changing condition or injury.
  • Our Enhanced Children’s Cover gives your clients the option to cover more conditions for their children. As well as the 85 conditions included in the standard cover, this includes additional cover for 10 child-specific conditions and 6 pregnancy complications for your client.
Income Protection is a vital lifeline for many of your clients, particularly if their circumstance finds them unable to work due to illness or an accident. Here are some important things to know about our Income Protection:
  • We won’t pay a claim if your client becomes unemployed or is made redundant.
  • The policy won’t pay out if the client is ill but continues to work. 
  • We won’t pay out in the event of a normal pregnancy. 
  • There is no cash value at any time.
  • To apply, your client must be permanently living in the UK for at least the last two years, aged between 17 and 59, and registered with a GP in the UK continuously for two years.
  • If your client stops paying their premiums, their cover might stop.
  • If your client chooses level cover, it won’t keep up with inflation and could buy less in the future.
  • Reviewable premiums may increase or decrease during the term of the policy. The premium is guaranteed not to change for at least the first 5 years of the policy.
  • Benefits paid at claim may reduce any state benefits your client might be entitled to. 
  • With inflation-linked cover, the amount of cover will rise by the increase in the Retail Prices Index (RPI) and premiums by RPI x 1.5%.

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 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.
 

Dedicated support for you

Fastway - our quote and apply system – makes it easier to protect clients. It’s a fast and flexible application journey and gives you an immediate underwriting decision. 

Plus, our expert tele-interviewing service saves you time and make applications hassle-free. Our UK-based team collect accurate information, reducing the risk of non-disclosure and taking the worry and responsibility away from you. Avoid long delays with GP reports - so your client’s cover could be underwritten and put on risk more quickly. 

More on Fastway.

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.
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.

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.