Critical Illness Cover

Get extra protection for you and your family

Extra cover to help your recovery
A range of specified illnesses covered
Childrens's critical illness cover included

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Our life insurance product has an ‘Excellent’ star label with ratings of 4.3 stars out of 5. Read reviews from customers like you.

What is Critical Illness Cover?

Critical Illness Cover can help minimise the financial impact on you and your family if you become critically ill. You can choose to add Critical Illness Cover for an extra cost when you take out Life Insurance or Decreasing Life Insurance.

How does Critical Illness Cover work?

It could pay out a cash sum if you're diagnosed with or undergo a medical procedure for one of the specified critical illnesses that we cover during the length of your policy, and you survive for 14 days from diagnosis.

The cash sum could be used to help with childcare costs, household bills or to help maintain your standard of living if you're forced to take time off work to recover
Children's Critical Illness Cover is automatically included. Terms and conditions apply.

What life insurance can I add Critical Illness Cover to?

Life cover could pay out a cash sum if you die or are diagnosed with a terminal illness while covered by the policy (provided life expectancy is less than 12 months). You can choose Life Insurance, where the amount of cover stays fixed unless you change your policy. The cash sum could help your loved ones pay the mortgage or help them with everyday living expenses.

We also offer Decreasing Life Insurance, designed to help protect a repayment mortgage so the amount of cover reduces roughly in line with the way a repayment mortgage decreases. Helping your loved ones to stay in the family home without worrying about the mortgage.

How does Life Insurance work?

You choose the amount of cover you need and how long you need it for. You can take out life insurance under joint or single names and you can pay your premiums monthly or annually.

Life Insurance starts from £5, Critical Illness Cover is available at an additional cost
Premiums are guaranteed and will not change unless you make changes to the policy
Peace of mind knowing life insurance can help financially protect your loved ones

**Based on new individual Life Insurance sales in 2023, Term & Health Watch Report 2024, Swiss Re.

Getting a Life Insurance quote is quick and easy.

Or call us on 0800 316 5591
8:30am to 8pm Monday to Friday
9am to 1pm Saturday

We may record and monitor calls

£100 gift card after you take out cover.

Restrictions apply - www.amazon.co.uk/gc-legal

Critical Illness Cover details

What's covered

You'll be covered if you're diagnosed with or undergo a medical procedure for one of the critical illnesses we cover and you survive for 14 days from diagnosis, before your policy ends.
We'll pay out your cover amount in full. Your policy will then come to an end
The list of illnesses we cover includes many types of cancer, heart attack and stroke. See the full list of illnesses covered.
Children’s Critical Illness Cover is automatically included.
You may be able to increase the amount of cover without answering further medical questions. Read more about changing your policy

Additional cover

We also provide additional cover for the following:

Carcinoma in situ of the breast – treated by surgery.
Low grade prostate cancer – requiring treatment.

Claims paid under additional cover will not reduce your amount of cover or change your premiums. We'll pay out once for each 'Additional Cover'. Terms and conditions apply.

If you are an existing customer please refer to your policy documents for details of your cover.

Things you need to know

If you die then the cover will end for a single life policy. If you have a joint policy, when the first person dies and makes a valid claim, you may be able to continue with your Critical Illness Cover policy.
We won't pay out if you’re diagnosed with or undergo a medical procedure for a critical illness that doesn't meet our definition or if death occurs within 14 days of diagnosis of one of the critical illnesses we cover.
If some elements of cover are restricted based on the information you give us, we'll tell you what we've excluded in your policy booklet under 'What you are not covered for'.
Some types of cancer are not included and you need to have permanent symptoms to make a claim for some illnesses.
This is not a savings or investment product and has no cash value unless a valid claim is made.

Please read the key documents before you apply. If you are an existing customer please refer to your policy documents for details of your cover.

Ready to help protect your family?

Wellbeing Support service

We know that the pressures of everyday life can sometimes be stressful, and can impact your wellbeing in lots of ways. From day one of your policy you'll have access to our dedicated Wellbeing Support service.

Dedicated support and help from a dedicated nurse can range from a reassuring chat, information, advice and guidance, to a clinical assessment and organising additional services.
Day one support. Support is included as standard from day one of your policy for you or your immediate family living at home.
Get the help you need. You don't need to claim on your policy, you can simply get in touch with your nurse directly.

Care Concierge

Care Concierge is personal service to help understand and find adult and later life care. There's a lot to consider when looking for care, and it's important that you or your loved one get the support they need.

Free access to our friendly team of Care Experts, this confidential and impartial telephone advisory service can help you or loved ones navigate adult and later life care.
Available to the policyholder, their partner, children and parents.
Tailored 1:1 impartial advice. Our Care Concierge team have extensive knowledge of the care industry and are completely impartial, allowing you to make an informed decision on the care option that is right for you.

Why get life insurance with L&G?

We've been protecting families like yours for over 185 years. You can trust us to provide expert cover and supporting benefits.

Defaqto 5 Star Rated

5 Star Defaqto rated cover, the highest rating possible!

There when you need us

In 2024 we paid out £583 million in life claims, helping more than 14,000 people and their families.

Wellbeing Support

We've partnered with RedArc Assured Limited to bring you our Wellbeing Support service. Offering phone-based services to support your mental health and wellbeing.

Care Concierge

Free access to our team of Care Experts, this confidential and impartial telephone advisory service can help you or loved ones understand and find adult and later life care. Find out more.

What our customers are saying

Ready to help protect your family?

Call us on 0800 316 5591

8:30am to 8pm Monday to Friday
9am to 1pm Saturday

We may record and monitor calls.

Terms and conditions

If you buy Life Insurance and/or Decreasing Life Insurance with or without Critical Illness Cover, you’ll be entitled to either a £100 Amazon.co.uk Gift Card* or M&S e-Gift Card when you apply online or by phone. Please read the following terms and conditions before you apply:

This offer is only available to customers who take out a Legal & General Life Insurance and/or Decreasing Life Insurance policy, with or without Critical Illness Cover online or via the telephone.
You will be eligible for your e-Gift card six months after your policy start date, provided you haven’t cancelled your policy and your payments are fully up to date.
A letter or email will be sent to you with details of how to redeem your e-Gift card, please allow 60 days from your policy start date for delivery of this communication. Once you have chosen your gift card it cannot be changed.
This offer is not available to Cashback customers. Cashback customers are customers who receive a cash sum when they buy a Legal & General Life Insurance or Decreasing Life Insurance policy, with or without Critical Illness Cover via a Cashback website.
This offer is only available if you apply directly to Legal & General. If you apply via a Financial Adviser, or through any other website that isn’t www.legalandgeneral.com, such as a comparison site you will not be eligible for this offer.
If you have previously held and cancelled a Legal & General Life Insurance or Decreasing Life Insurance policy, with or without Critical Illness Cover within the last 18 months, you will not be eligible for this offer.
Legal & General reserves the right to cancel your Legal & General Life Insurance or Decreasing Life Insurance policy or your eligibility for an e-Gift card should we discover or have a reasonable suspicion that the terms and conditions of this offer are being abused.
This offer is limited to one e-Gift card per policy sold.
You have twelve months from your policy start date to claim your e-Gift card or you will not be eligible for this offer.
Legal & General reserve an absolute right to amend and/or withdraw any offer at any time
No cash alternative will be offered.
This offer cannot be used in conjunction with any other discount or offers.

*Amazon.co.uk is not a sponsor of this promotion. Amazon.co.uk Gift Cards ("GCs") may be redeemed on the Amazon.co.uk website towards the purchase of eligible products available on www.amazon.co.uk. GCs cannot be reloaded, resold, transferred for value, redeemed for cash or applied to any other account. Amazon.co.uk is not responsible if a GC is lost, stolen, destroyed or used without permission. See www.amazon.co.uk/gc-legal for complete terms and conditions. GCs are issued by Amazon EU S.à r.l. All Amazon ®, ™ & © are IP of Amazon.com, Inc. or its affiliates.