Family and Personal Income Plan Critical Illness Cover or Critical Illness Extra

Pays out a monthly benefit with an option to commute to 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 plan.

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

The contract offers reviewable premiums.

Amount of Cover

  • No minimum monthly. Driven by minimum premium.
  • Maximum monthly benefit is £4,000 per month.
  • The amount of cover remains the same throughout the policy term.


  • The minimum term allowed is 5 years.
  • 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 out on a 17 year old by an adult with insurable interest. This policy can then 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.
  • The policy must end by their 70th birthday.


  • Reviewable
  • Payable monthly or annually by Direct Debit.

Benefits automatically included

Other information

  • For joint life policies, benefit is paid on the first critical illness claim or death, whichever occurs first.
  • Policies can be put into trust.