Critical Illness Cover
If you were ever diagnosed with a critical illness, how would your family cope?
Would they lose out financially if you had to give up work?
Our award winning critical illness cover provides extra peace of mind at time when you'll need it most.
If you're choosing to take out life insurance with us, you can add critical illness cover for an extra cost. This will pay out your chosen amount of cover if you're diagnosed with one of the specified illnesses and are eligible to claim, during the period of cover.
All the important common details for buying a life insurance policy can be found under the life insurance section, which you must read as well as the Key Features Document PDF.
Call us for a quote today on 0800 048 1259
8am - 8pm Monday to Friday9am - 5pm Saturday
We may record and monitor calls.
Here are some common questions and answers that will explain critical illness cover in more detail:
Are my premiums fixed?
You have a choice between two different types of premium, Guaranteed and Reviewable. Guaranteed premiums will stay the same for the length of your policy, so you always know what your monthly premiums will be. Reviewable premiums are reviewed every five years and could go up, down or remain the same. The premiums are reviewed against our claims history, financial markets and medical advances.
How many years can I take out cover for?
If you're adding critical illness cover to a level term life insurance policy you can choose a term between two and 40 years, providing it ends before your 65th birthday. If you're taking out decreasing term life insurance with critical illness cover your chosen term can be between five and 40 years, and again it must end before you're 65th birthday.
What illnesses will be covered?
We provide cover for 39 critical illnesses, that's 16 more than given in the guidelines published by the Association of British Insurers.
How do I get a quote?
You can get an immediate quote over the telephone, and if the cost and the amount of cover suit you, you can buy today. Please call our friendly UK call centre on 0800 048 1259. They are available between 8am and 8pm Monday to Friday and 9am to 5pm on Saturday. We may record and monitor calls.
Who can take out critical illness cover?
Providing you're aged between 18 and 63 at your next birthday and you're a UK resident at the time of applying, you will be eligible to apply for this cover. You can apply for the plan to cover you alone or you and another person. If the plan covers two people it will only pay out once, when the first of the two people dies or has a valid critical illness or terminal illness claim during your chosen period of cover. Children are also covered at no extra charge, but certain conditions do apply which can be found in the Key Features Document PDF.
How much does critical illness cover cost?
The minimum premium is just £6 a month for life insurance with added critical illness cover, but your individual premium will depend on your own needs and circumstance. So, please call us for a quote.
Call us for a quote today on 0800 048 1259
8am - 8pm Monday to Friday9am - 5pm Saturday
We may record and monitor calls.
