Additional benefits.

Our Critical Illness product is Level Term or Mortgage Term Assurance with Critical Illness Cover included, and has a choice of guaranteed or reviewable premiums. 

We’ve included a number of additional benefits which can give you even more protection and offer you extra peace of mind. Some of these are included as standard and some are at an extra cost. Please see the list below for more details.

Additional benefits included at no extra cost:

Accidental Death Benefit	We give you free Accidental Death Benefit while we process your application, giving you some peace of mind that you’re covered in case of accidental death.
Terminal Illness Cover	This benefit means that your policy could pay out a lump sum upon diagnosis of a terminal illness, rather than on death, providing financial support at a time when it could be needed the most.
Making changes to your policy	You can make changes to your policy, such as changing the term, the amount of cover, switching from joint to single policies or even changing your premium payments from monthly to annually. We also offer the Guaranteed Insurability option which lets you increase your cover on certain life events.
Accident Hospitalisation Benefit	In the unfortunate event that you're admitted to hospital with physical injuries immediately following an accident, and you stay for a minimum of 28 days we will pay out £5000.
Children's Critical Illness Cover	We automatically include children's cover at no extra cost. So if you have a Critical Illness Cover policy and your child is diagnosed with a specified condition and is eligible to claim, a lump sum is paid.

Additional benefit that can be added at an extra cost:

Waiver of Premium	This benefit pays your premiums if you're unable to work due to illness or injury and are eligible to claim. After 26 weeks we'll continue to pay the premiums for your policy until you either return to work or reach the end of the policy.

If you decide to add Waiver of Premium to one of our life insurance policies, you’ll be able to select the option when you apply online.

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