Critical Illness Cover - extra protection for you and your family
How would your family cope if you were diagnosed with a critical illness? What if you had to give up work and lost your income? Critical illness cover can offer you added peace of mind when you need it the most, all from just £6 a month.
Legal & General’s Defaqto 5 Star critical illness product is a term insurance policy with critical illness cover included. This means that the policy could provide a lump sum to help you and your family financially if you were to die, or be diagnosed with one of the specified critical illnesses covered during its term. And because family is so important, your children will be covered too (conditions apply).
Why do you need critical illness cover?
- Critical illnesses are more common than people tend to believe and can affect anyone at any time. A number of critical illnesses are being diagnosed at a younger age. In fact in 2009 the average age of Legal & General’s critical illness claimants was just 44 years old.
- Approximately 89,000 people under the age of 65 will have a heart attack in the UK this year. Up to half of these people won’t return to work.1
- In 2009 we paid 2,149 claims. The average pay out was £70,331 and the largest was £750,000.
- Around 125 women are diagnosed with breast cancer every day in the UK.2
- The most common cause of cancer for men aged between 20-39 is testicular.3
What are the key features of Legal & General's critical illness cover?
- Cover for 39 critical illnesses.
- Critical illness cover for your children is included at no extra charge. Conditions apply.
- An additional payment in the event of a mastectomy for ductal carcinoma in situ claim. The original sum assured and premiums are not affected. Conditions apply.
- Legal & General won’t pay out a claim in the event you are diagnosed with an illness that is not covered, and due to medical advances not all forms of cancer are covered.
- For further details about this cover please see the Key Features Document PDF.
So why choose Legal & General?
- The UK's number 1 critical illness cover provider, based on new individual critical illness sales in 2009. 4
- The critical illness product comes with a 5 Star Rating from Defaqto, a leading UK independent financial research company.
1 Source: British Heart Foundation 2005
2 Source: Cancer Research UK March 2010
3 Source: Cancer Research UK August 2010
4 Source: Swiss Re Term & Health Watch Report 2010
