Critical illness affects many people, at any age, and can turn families’ lives upside down. If you were to become seriously ill would your loved ones struggle to keep up with household bills and the mortgage? Make sure that you and your family are financially protected against the impact a critical illness could have.

You can choose to add critical illness cover at an extra cost when you take out life insurance. The money you could receive can help make life easier - and help you focus on getting better.

What is Critical Illness Cover?

Critical illness cover could pay out a cash sum if you get one of the specified critical illnesses we cover during the length of your policy, such as heart attack, cancer or stroke*. See the full list of the illnesses covered

*The critical illnesses covered include heart attack, cancer and stroke. However, some types of cancer are not included and to make a claim for some illnesses, you need to have permanent symptoms. 

Critical Illness Cover can be added for an extra cost when you take out either life insurance or mortgage life insurance. Extra benefits are included at no additional cost, such as Terminal Illness Cover and Accidental Death Benefit. Terminal Illness Cover could pay out the full amount of cover when life expectancy is less than 12 months. 

And if you choose to add Critical Illness Cover, we will automatically include Children's Critical Illness Cover at no extra cost. See additional benefits for more information.

Do I need Critical Illness Cover?

If your family rely on you financially it's worth considering critical illness insurance to help protect against the impact a critical illness could have on you and your family. The  pay out could help to cover things such as child care costs and household bills.

Or you may want to use the pay out to help make adjustments to your home or lifestyle if needed, or to pay for specialist medical treatment - or even to take that trip of a lifetime to help you recover. 

Why choose us?

  • In 2016 alone we paid claims to 2788 customers, helping them and their families when they needed us most
  • We paid out £181million in 2016 in critical illness cover claims
  • 92.56% of claims were paid out in 2016
  • Our claims staff are trained by the Samaritans to deal with bereaved family members
  • We focus on offering products that help meet our customer’ needs throughout life.

Watch our customer videos and hear the real life experiences of our customers and how critical illness cover made a difference to their lives

Important information

This is not a savings or investment product and has no cash value unless a valid claim is made. Advances in medicine and technology mean that traditional views of critical illnesses are constantly changing.

Please read the Guide to critical illness cover (PDF: 149KB)  , Policy Summary  PDF: 1.61MB  and Policy Booklet  PDF: 184KB  before you apply.