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Adviser Centre

Critical Illness Cover.

Defaqto 2017

Critical Illness Cover pays out a chosen amount of cover if the client is diagnosed with one of our specified critical illnesses, during the term of their policy. 

Click the link to see the list of our critical illnesses - Critical Illness covered

We provide cover for a total of 42 conditions, these include 39 full payment conditions, 2 additional payments and terminal illness cover. 

Our cover now includes the following:

Spinal Stroke - resulting in symptoms lasting at least 24 hours.
We continue to offer 17 ABI+ definitions after improving the cover for Motor Neurone Disease. This now includes Spinal Muscular Atrophy:

Motor Neurone Disease - resulting in permanent symptoms.  

Increasing plans will increase in line with the changes in the Retail Prices Index (RPI) and multiplied by 1.5 subject to a maximum increase of 15% per annum. The RPI provides an indication of inflation on a monthly basis. The RPI measures and tracks the average change in the purchase price of goods and services such as housing expenses and mortgage interest payments. If changes to the RPI are 1% or less then the premium and amount of cover will stay the same until the next review.

Limitations and exclusions apply


Critical Illness Cover for Family Protection
  • The cash sum or monthly benefit paid out can be used to help maintain family lifestyle and help avoid financial difficulty.

 Limitations and exclusions apply

Critical Illness Cover - Overview

Increasing Critical Illness Cover - Overview

Critical Illness Cover for Mortgage Protection
  • Choice of level, increasing or decreasing cover.
  • We provide free life cover at no extra cost between exchange and completion.
  • SmoothMove (provided by Inter Partner Assistance) moving day rescue service is included automatically at no extra cost. 

 Limitations and exclusions apply

Mortgage Critical Illness Cover - Overview

Mortgage Increasing Critical Illness Cover - Overview

Mortgage Decreasing Critical Illness Cover - Overview

Sales Support

We have a wide range of informative literature and sales support designed to help make the sale of our CIC plan straightforward for you, and easy to understand for your customers. Find out more

We also have an innovative definitions tool, AnatoME. Use the tool today

Need more information?

Protection sales team
0345 273 0010

Monday to Friday 9.00am to 5.00pm.

We may record and monitor calls. Call charges will vary.

men at a meeting

Business Protection Trusts Hub

Our easy-to-use Business Protection Trusts Hub, helps you to set up your business clients policies in trust.
Find out more