What critical illnesses are covered under this policy?
Our Critical Illness Cover is designed to help cover critical illnesses which could have a severe impact on your lifestyle, such as 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. See a full list of the illnesses we cover.Close
Is it true that if I have children, they’ll also receive some Critical Illness Cover ?
Yes, we automatically include this benefit at no extra cost on all of our policies that include critical illness cover.
As my policy includes Life Insurance and Critical Illness Cover, does that mean it could pay out twice?
No, our policies pay out once, either on death, terminal illness or diagnosis of a critical illness. Once a valid claim has been made the policy ends.
However, if a claim for Carcinoma in situ of the breast or low grade prostate cancer is made or a claim under children's critical illness cover, the policy continues until the end of the term.
What happens to my policy if I claim under Carcinoma in situ of the breast or low grade prostate cancer?
If you have Carcinoma in situ of the breast or low grade prostate cancer, and are eligible to claim, we'll pay out 25% of your amount of cover up to a maximum of £25,000. This benefit does not affect your amount of cover or the premiums you pay.
What if I need to make a change to my policy?
Our policies include different options that allow your cover to adapt with you. You can:
Change the term of your policy
Increase or decrease the amount of cover under your policy
Remove a life from a joint policy where cover is no longer required for that person
Change from monthly to annual premiums.
There is also a 'joint life policy separation' option. This means a joint policy can be split into two new single policies if a couple divorce, dissolve their registered civil partnership or change a joint mortgage into a new name.
Sometimes, when you apply for life insurance we may not be able to give you an immediate decision and may need to ask for more information.
During this time we know it’s important that you’re still protected. So, we provide you with Accidental Death Benefit whilst we process your application. We provide this free of charge and without the need for any underwriting – giving you peace of mind that you’re covered in case of an accidental death. There are some terms and conditions that do apply, and these can be found in the
PDF: 1.61MB Close
Will my premiums stay the same throughout the policy term?
Your premiums are guaranteed to stay the same unless you alter your policy.
Can I put a life insurance policy that includes critical illness cover, in trust?
Yes, our life insurance policies can be placed in Trust. Putting your plan in Trust can help protect your beneficiaries from inheritance tax or helping to avoid probate.
Use our Online Trust Hub to help you choose the right type of Trust for you. You can enter your details online so the Trust form is ready to be printed and sent back to us.
If I need to make a critical illness claim, what should I do?
You can call our claims team, Monday to Friday between 9am and 5.30pm. The telephone number you need is 0800 068 0789. Ideally you need to have your policy number to hand, as well as details of the illness, including the diagnosis. Calls may be monitored and recorded.
You can also use the same telephone number to make a claim under children’s critical illness cover or additional cover for the ‘Carcinoma in situ of the breast’ or 'low grade prostate cancer' definitions.
Each claim is treated individually and your claims handler will explain everything to you in detail if you ever come to make a claim.