Change is part of life. Sickness happens. Loved ones get unexpectedly ill. Kids grow up and go off on their travels. Plans alter and needs evolve. It's why your clients need Critical Illness Cover that's in tune with change. And it's why, as part of our commitment to improvement, we're always fine-tuning our protection to anticipate their evolving needs. And yours. Find out more about our improved Legal & General Critical Illness Cover across these pages.
Changes in tune with your business
We know that demands have changed. We've reviewed incidence rates to identify illness trends. And we've analysed market expectations to improve our product where it's needed.
What's new?
- We've added new cancer definitions including cutaneous lymphoma and some progressive sarcomas. We've also reversed the low-grade thyroid cancer exclusion (it's still part of core Critical Illness Cover).
- We've broadened our severe Crohn’s disease and ulcerative colitis definitions, replacing them with broader cover for severe bowel disease to include diverticulitis.
- We've added cover for severe mental illness.
- We've added payment for skin cancer, pacemaker insertion and infective endocarditis.
- We've increased our pay outs from the lower of 50%/£30k to a maximum of 50%/£35k.
- We've broadened our Crohn’s disease definition and replaced it with broader cover for bowel disease.
- We now cover kids under legal guardianship.
- We've increased the age of cover from their 22nd birthday to their 23rd.
- We've increased our payments for conditions covered under Children's Critical Illness Extra and Children’s Terminal Illness from the lower of 50%/£35k to a maximum of 50%/£40k.
Listen to our experts
Critical Illness Cover - What’s new?
Webinar 1 of 3
Learn about our improvements and discover how our enhanced proposition can improve your client conversations.
Flipping the protection conversation
Webinar 2 of 3
Redefine the meaning of value and find out how you can flip conversations to achieve more positive client outcomes.
Crafting the ultimate protection strategy
Webinar 3 of 3
Find out how to construct a comprehensive protection plan that resonates with your clients' life goals.
Five reasons to offer our Critical Illness Cover
We’ve fine-tuned our protection to make it a better choice for you and your clients as illnesses, health and demands change. Here are five reasons to offer our cover.
From diagnosis to grief: A journey through loss
Beth discussed the importance of having insurance, specifically Critical Illness Cover, and Life Insurance, and how it impacted her family during such a challenging time.
What’s included with our Critical Illness Cover
Critical Illness Cover
Quality cover at an affordable price with Children’s Critical illness Cover included so the whole family is covered.
Critical Illness Extra
An intermediary exclusive. All the benefits of Critical Illness Cover, with more conditions covered and additional payments for those clients who want a little more protection.
Children's cover is included as standard or your clients can upgrade to our Extra children's cover.
Children’s Critical Illness Cover
Covers the conditions listed under Critical Illness Cover. Cover is included for up to two children, including adopted, step or guardianship kids. Children are covered from 30 days old until their 22nd birthday, in education and beyond.
Children’s Critical Illness Extra
An intermediary exclusive. Covers all conditions listed under Critical Illness Cover and Critical Illness Extra, plus additional specified child critical illness conditions. Cover is included for an unlimited number of children from birth up until their 23rd birthday.
Your Critical Illness Cover toolkit
Our toolkit makes it simpler for you to arrange our cover. Browse and download made-for-you sales aids, suitability wording, guides and one-pagers to support your conversations.
Why choose our Critical Illness Cover
Five reasons to choose cover that's in tune with life's changes.
Support for young and old, today and tomorrow
Discover benefits from day one for the whole family.
Conditions we cover one-pager
An easy to share summary of our Critical Illness Cover.
Critical Illness Cover: a guide for advisers
A made-for-you, all-in-one-place sales guide
Critical Illness Cover: a guide for customers
A brochure to share with your prospects and clients.
More from Adviser Protection
*A claim can only be made if diagnosed during the policy term.
Source
1 Legal & General 2023 claims data
2 CI Expert Critical Thinking Report 2024
3 Cancer research UK