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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 developed 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. |
| Guaranteed Insurability Option | As your life changes, so may your insurance needs. This option allows you to increase your cover when specific events occur, marriage for example, without supplying us with further medical evidence. |
| 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. |
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. |
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