Our critical illness policies are designed to be tailored, to make a difficult time for your client a little easier. The following options are available:
- Life insurance with critical illness cover
- Critical illness cover with life insurance
- Family and personal income plan critical illness cover
- Family and personal income plan with critical illness cover
Your client can also choose from two options:
Critical Illness Cover
A comprehensive level of cover to suit a range of budgets.
Critical Illness Extra
For clients with an increased budget. It covers more conditions, with additional pay outs for those clients who want a little more protection.
Children’s Critical Illness Cover
Children’s Critical Illness Cover is included as standard, or your client can choose to upgrade to Children’s Critical Illness Extra for an extra cost:
Children’s Critical Illness Cover
Covers the conditions listed under Critical Illness Cover. Covers one claim per relevant child, to a maximum of two children and applies to natural children, legally adopted children, stepchildren, and children who are under legal guardianship of the adult covered.
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.
Reasons to recommend Critical Illness Cover
Children's Critical Illness Cover included as standard
Support for young and old, today and tomorrow
Cover without the claims cut-off
Key features and benefits
A market leader in cancer coverage
With two-thirds of our claims being cancer-related, we know that clients are coming to you with concerns about cancer cover. So, we’ve added cover where it’s needed.
Their full pay out, plus a little extra
Our additional payments protect your client's lump sum, as it would still be paid in the event of a valid claim.
Fast underwriting decisions
80% of underwriting decisions receive an instant decision.
Support for young and old, today and tomorrow
With our cover, the benefits begin on day one for the whole family. Not just when serious illness happens.
We’ll beat competitors
In some instances, you may be able to use Price Beater to get the best price for your client. Please see our Price Beater guide for more details.
Waiver of Premium option
For an additional cost, your client won’t have to pay their premium after 26 weeks if the person covered can’t work due to illness or injury.
Cover for the school years and beyond
Unlike other providers, your clients’ kids don't need to remain in full-time education to be covered.
Product details
For full details, see key documents for the Policy Summary and Policy Terms and Conditions.
Cover overview
For full details, download the Product Profiles PDF: 905KB document
| Minimum cover |
No minimum amount of cover. Driven by minimum premium. |
| Maximum cover |
£4,000 a month if Family and Personal Income Plan is chosen. For all other options, the maximum amount of cover will depend on your client’s Total and Permanent Disability definition:
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| Type of cover |
The following cover is available:
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| Minimum term |
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| Maximum term |
50 years |
| Minimum age |
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| Maximum age |
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| Premiums |
Choice of guaranteed or reviewable depending on the type of cover. |
| Joint life policies |
The cover is paid when the first life insured is diagnosed with a specified critical illness, dies or is diagnosed with a terminal illness (and our Medical Officer has confirmed the illness is expected to lead to death within 12 months) – whichever occurs first. |
| Trusts |
Policies can be placed in trust. |
| Death in the first year |
The policy will be cancelled if the life insured dies within the first year of holding the policy as a result of suicide or intentional and serious self-injury or an event where, in our reasonable opinion, the life insured took their own life. |
Benefits and options
| Critical Illness Cover | Critical Illness Extra | |
|---|---|---|
| Conditions covered | Covers the conditions listed under Critical Illness Cover. |
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| Additional payments |
Covers the additional payment conditions listed under Critical Illness Cover which pays 25% of the amount of cover at the time our definition is met up to £25,000. For FPIP, we’ll pay out 25% of the chosen monthly benefit times the remaining length of the policy up to a maximum of £25,000 for a valid claim. |
Covers the additional payment conditions listed under Critical Illness Extra which pays 100% of cover at the time our definition is met up to £35,000. For FPIP, we’ll pay out 100% of the chosen monthly benefit times the remaining length of the policy up to a maximum of £35,000 for a valid claim. |
| Children’s Critical Illness Cover |
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| Children’s Critical Illness Extra |
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| Accident Hospitalisation Benefit | Included | |
| Accidental Death Benefit |
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| Increasing your cover (previously known as Changing your policy and Guaranteed Insurability Option) |
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| Other changes | Your client can request to make other changes to their policy, but this may result in a new policy being set up. | |
| Joint life policy separation on divorce or dissolution of a registered civil partnership | Can be requested unless a claim has been accepted. | |
| Total and Permanent Disability |
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| Immediate Cover |
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| Wellbeing Support | Access included as standard. Service provided by RedArc Assured Limited. | |
| Terminal Illness Cover | Automatically included for all policies with a term of two years or more. | |
| Waiver of Premium | Optional. Can be included for an additional cost. Eligibility criteria and restrictions apply. | |
Key documents and tools for new business applications
Existing customers should always refer to the policy documents supplied when they purchased their product.
Key documents
Key documents
Tools and calculators
Support from Umbrella Benefits
Wellbeing Support
Access included as standard. Personalised practical and emotional telephone support from a registered nurse provided by RedArc Assured Limited.
Care Concierge
A free telephone service which gives your client and their family access to adult and later life care experts.