Critical Illness Cover

Critical illness protection, without life cover

Critical Illness Cover provides a cash lump sum following a valid claim for a specified critical illness covered by the policy.

It can be taken without life cover, giving you greater flexibility to build protection around your client’s individual needs, priorities and existing arrangements.

One life, three risks. The right protection for each.

Explore life insurance, critical illness cover and income protection with us.

Why consider Critical Illness Cover?

Consider different protection needs separately

A client’s need for critical illness cover may be different from their need for life cover. Critical Illness Cover allows you to consider these needs separately and tailor your recommendation to your client's individual circumstances, needs and priorities.

Complement existing arrangements

It may be suitable for clients who already have life cover but want additional financial reassurance if a serious illness affects their income or future plans. It can also help address a particular need identified through a wider protection review.

Help reduce the financial impact

A serious illness can affect much more than a client’s health. It could place pressure on their income, household finances, and the plans they have worked hard to build. A successful claim provides a cash lump sum that can be used in line with their circumstances.

Support clients and their families

The impact of serious illness can extend beyond the person diagnosed. Children’s Critical Illness Cover is included as standard, while Wellbeing Support, provided by RedArc Assured Limited, and Care Concierge provide access to additional support from the start of the policy.

Critical Illness Cover options

Critical Illness Cover

Provides a cash lump sum following a valid claim for a specified critical illness covered by the policy. Children’s Critical Illness Cover is included as standard.

Critical Illness Extra

Available for an additional cost, covering more specified conditions and offering enhanced additional payment benefits.

Children’s Critical Illness Extra

Available for an additional cost, offering enhanced protection for children and covering additional specified child critical illness conditions.

Support from day one

Wellbeing Support

Personalised practical and emotional telephone support from a registered nurse, provided by RedArc Assured Limited.

Care Concierge

Telephone access to specialists who can help clients and their families understand and arrange adult and later-life care.

Product details

For full details, see key documents for the Policy Summary and Policy Terms and Conditions.

Cover overview

For full details, download the Product Profiles.

Minimum cover	No minimum amount of cover. Driven by minimum premium.
Maximum cover	The maximum amount of cover will depend on your client’s Total and Permanent Disability definition: £3 million if Specified Work Tasks £2 million if Own Occupation
Type of cover	The following cover is available: Level cover Increasing cover Decreasing cover
Minimum term	Level and increasing cover: 2 years Decreasing cover: 5 years
Maximum term	50 years
Minimum age	18 years old. It is possible for a life of another policy to be taken on a 17-year-old by an adult with insurable interest This policy can then be placed in an Absolute Trust with the 17-year-old as the beneficiary Minimum age at the end of the policy is 29 years old
Maximum age	Level and increasing cover: 67 years Decreasing cover: 64 years Policy must end by client’s 75th birthday
Premiums	Guaranteed only. Please see Policy Summary for more information.
Joint life policies	The cover is paid when the first life insured is diagnosed with a specified critical illness or is diagnosed with a terminal illness (and our Medical Officer has confirmed the illness is expected to lead to death within 12 months) – whichever occurs first.
Trusts	Policies can be placed in trust.

Benefits and options

	Critical Illness Cover	Critical Illness Extra
Conditions covered	Covers the conditions listed under Critical Illness Cover Cover is paid if, before the policy end date, the life insured is diagnosed with a condition covered by the policy and survives for 10 days from diagnosis even if the policy has ended during this time	Covers the conditions listed under Critical Illness Cover and Critical Illness Extra Cover is paid if, before the policy end date, the life insured is diagnosed with a condition covered by the policy and survives for 10 days from diagnosis even if the policy has ended during this time Intermediary exclusive
Additional payments	Covers the additional payment conditions listed under Critical Illness Cover which pays 25% of the amount of cover at the time our definition is met up to £25,000.	Covers the additional payment conditions listed under Critical Illness Extra which pays 100% of cover at the time our definition is met up to £35,000.
Children’s Critical Illness Cover	Included as standard Full payment and additional payment conditions which pays 50% of cover at the time our definition is met (original amount of cover if decreasing cover is chosen) up to £25,000 Children are covered for all the conditions listed under Critical Illness Cover except Total and Permanent Disability
Children’s Critical Illness Extra	Can be included for an additional cost Covers the additional payment conditions listed under Critical Illness Extra which pays 100% of cover up to £40,000 Children are covered for all conditions listed under Critical Illness Cover, Critical Illness Extra and Additional Illnesses for Children’s Critical Illness Extra (except Total and Permanent Disability) Intermediary exclusive
Accident Hospitalisation Benefit	Included
Increasing your cover (previously known as Changing your policy and Guaranteed Insurability Option)	Can increase cover on certain specified events, without need for further medical evidence Eligibility criteria and restrictions apply
Other changes	Your client can request to make other changes to their policy, but this may result in a new policy being set up.
Joint life policy separation on divorce or dissolution of a registered civil partnership	Can be requested unless a claim has been accepted.
Total and Permanent Disability	Can be included for an additional cost Must end by client’s 70th birthday
Wellbeing Support	Access included as standard. Service provided by RedArc Assured Limited.
Terminal Illness Cover	Automatically included for all policies with a term of two years or more.
Waiver of Premium	Optional. Can be included for an additional cost. Eligibility criteria and restrictions apply.

Key documents and tools

Existing customers should always refer to the policy documents supplied when they purchased their product.

Product information

Sales aids

Tools and calculators

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Explore other protection options

Life Insurance

Flexible cover that can be tailored to offer financial protection for your client’s loved ones with the option to add critical illness cover.

Life Insurance with Critical Illness Cover

Combined cover that can pay following death, terminal illness or a valid critical illness claim, subject to the policy terms. The cover ends following the first full claim.

Income Protection

Tailored plans to help protect your client’s income and wellbeing if they can’t work because of an illness or injury.