Our UK based staff provide a dedicated service to deal with all your life insurance queries

 

Critical illness cover FAQs.

Am I eligible to take out Critical Illness Cover?

You must be a UK resident at the time of applying to be eligible. 

Age limits

If applying for Level Term Assurance or Mortgage Term Assurance with Critical Illness Cover you must be aged between 17 and 67. 

If applying for Mortgage Decreasing Term Assurance with Critical Illness Cover you must be aged between 17 and 64. 

What critical illnesses are covered under this policy?
Our Critical Illness Cover is designed to help cover critical illnesses which could have a severe impact on your lifestyle. We provide cover for 41 conditions, that’s 17 more than the most recent guidelines published by the Association of British Insurers (ABI). 14 of our conditions exceed ABI model definitions.
Will my premiums stay the same throughout the policy term?

Your premiums are guaranteed to stay the same unless you alter your policy.

How long can I take a policy out for?
If you apply for our critical illness product, we provide Level Term Assurance or Mortgage Term Assurance with Critical Illness Cover.

For Level Term Assurance with Critical Illness Cover you can choose a term between 2 and 40 years and the policy must end before your 70th birthday.

For Mortgage Decreasing Term Assurance with Critical Illness Cover the term must be between 5 and 40 years, and again it must end before your 70th birthday.
Is it true that if I have children, they’ll also receive some Critical Illness Cover ?
Yes, we automatically include this benefit at no extra cost on all of our policies that include critical illness cover.

There are some conditions that apply, so please read the Key Features Document (PDF: 150KB)
If I apply will I be covered straight away?
Sometimes, when you apply for life insurance we may not be able to give you an immediate decision and may need to ask for more information.

During this time we know it’s important that you’re still protected. So, we provide you with Accidental Death Benefit whilst we process your application. We provide this free of charge and without the need for any underwriting – giving you peace of mind that you’re covered in case of an accidental death.  There are some terms and conditions that do apply, and these can be found in the Key Features Document (PDF: 150KB)
As my policy includes Life Insurance and Critical Illness Cover, does that mean it could pay out twice?
No, our policies pay out once, either on death, terminal illness or diagnosis of a critical illness. Once a valid claim has been made the policy ends.

However, if a claim for ductal carcinoma in situ of the breast or low grade prostate cancer is made or a claim under children's critical illness cover, the policy continues until the end of the term.
What's the difference between Terminal Illness Cover and Critical Illness Cover?

Terminal Illness Cover is included on our policies at no extra cost (minimum term of two years). It could pay out your chosen amount of cover if you're diagnosed with a terminal illness and have a life expectancy of 12 months or less, rather than on death. Providing financial support at a time when it could be needed the most. 

Critical Illness Cover is available when you buy your life insurance at an additional cost. It's designed to pay out your chosen amount of cover if you're diagnosed with one of our specified critical illnesses during the length of your policy. 

Read more about Terminal Illness Cover

Read more about Critical Illness Cover

What if I need to make a change to my policy?

Our polices include different options that allow your cover to adapt with you. You can:

  • Change the term of your policy
  • Increase or decrease the amount of cover under your policy
  • Remove a life from a joint policy where cover is no longer required for that person
  • Change from monthly to annual premiums.

There is also a 'joint life policy separation' option. This means a joint policy can be split into two new single policies if a couple divorce, dissolve their registered civil partnership or change a joint mortgage into a new name. 

What happens to my policy if I claim under ductal carcinoma in situ of the breast or low grade prostate cancer?

If you have ductal carcinoma in situ of the breast or low grade prostate cancer, and are eligible to claim, we'll pay out 25% of your amount of cover up to a maximum of £25,000. This benefit does not affect your amount of cover or the premiums you pay.

I'm pregnant and not sure how to answer some of the medical questions?
If you're currently pregnant the information below may help you to answer some of the questions.

What is your weight?
We recognise that your pregnancy weight is not a fair reflection of your usual weight. When asked your weight, please state what your weight was immediately prior to this pregnancy.

Have you used any tobacco products within the past 12 months?
Even if you have given up smoking during the term of your pregnancy, if you have smoked any tobacco products in the last 12 months you must declare it.

What is your average weekly consumption of alcohol?
This question asks about your current level of alcohol consumption, which may have reduced during pregnancy. However, as you progress through the application, subsequent questions ask if the level of alcohol consumption has changed over the previous five years and whether you've been medically advised to reduce your level of alcohol consumption.
Can I put a life insurance policy that includes critical illness cover, in trust?
All our trust forms are suitable for policies that include life and critical illness cover, because they’re classed as ‘split trusts’. This means that in the event of a critical illness  or terminal illness claim, the benefit is paid to the policy owner. In the event of a death claim, the benefit is paid in accordance with the trust.

Find out what you need to know about trusts and download a form.
If I need to make a critical illness claim, what should I do?
You can call our claims team, Monday to Friday between 9am and 5.30pm. The telephone number you need is 0800 068 0789. Ideally you need to have your policy number to hand, as well as details of the illness, including the diagnosis. Calls may be monitored and recorded. Call charges will vary.

You can also use the same telephone number to make a claim under children’s critical illness cover or additional cover for the ‘ductal carcinoma in situ of the breast’ or 'low grade prostate cancer' definitions.

Each claim is treated individually and your claims handler will explain everything to you in detail if you ever come to make a claim.

Get a quote online

 
Or call us on 0800 027 1976
8am to 8pm Monday to Friday
9am to 5pm Saturday.

We may record and monitor calls and call charges will vary.

Contact Us

Visit our Contact Us section for useful telephone numbers, email and postal addresses.

I need to make a claim.

Visit our claims section for all the information and contact details you'll need when making a critical illness claim.

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