Critical Illness Extra – Overview

Pays out a lump sum in the event of death, earlier diagnosis of a terminal illness or meeting the definition of one of the named critical illnesses within the term of the policy.

If your clients choose Critical Illness Extra, they will also be covered for the illnesses under Critical Illness Cover.

Amount of Cover

  • No minimum sum assured. Driven by minimum premium.
  • Maximum sum assured:
    £3 million - if Specific Work Tasks definition under TPD applies, or
    £2 million - if Own Occupation definition under TPD applies.
  • The amount of cover remains level throughout the term of the policy.


  • The minimum term allowed is 5 years (2 years if Life Insurance with Critical Illness Cover or Critical Illness Extra is chosen).
  • The maximum term allowed is 40 years.

Age restrictions

  • The minimum age to take out a policy is 18. 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.
  • The minimum age at the end of the policy is 29.
  • The maximum age for buying a policy is 64 (or 67 if Life Insurance with Critical Illness Cover or Critical Illness Extra is chosen).
  • The policy must end by their 70th birthday.


  • Reviewable.
  • Payable monthly or annually by Direct Debit.

Options available

Benefits automatically included

If the policy is mortgage related, then the following are also included

  • Free Life Cover
  • Legal & General Nurse Support Services (available on Critical Illness products purchased on/after 27 November 2017)

Other information

  • For joint life policies, benefit is paid on the first critical illness claim or death, whichever occurs first.