The information on this site relates to our current range of products, which can change from time to time. If you already have a policy with us your cover will be based on our product range at the time you took out your policy. Therefore some of the information on this site may not apply to your policy.
Your policy documents fully explain the type of cover you have, and the terms and conditions that apply. If you have misplaced your policy document and need a copy, or want to check the cover you hold,  please call us on 0370 010 4080. We are open between 8:30am and 6pm Monday to Friday and 9am to 1pm on Saturday. We may record and monitor calls and call charges may vary.

What is Critical Illness Cover

Critical Illness Cover can be added at an extra cost when you take out either Life Insurance or Decreasing Life Insurance. It is designed to pay out on diagnosis of a specified critical illness during the length of the policy. 

Please read the Guide to critical illness cover (PDF: 149KB) , Policy Summary PDF: 1.61MB and Policy Booklet PDF: 184KB before you apply. You should also be aware of the following information:


  • Critical Illness Cover is designed to pay out on diagnosis of a specified critical illness including cancer, heart attack and stroke. Not all types of cancer are covered under critical illness plans. For example, a cancer needs to have spread or reached a specified severity to be covered. 
  • To make a claim for some illnesses, you need to have permanent symptoms. 
  • Advances in medicine and technology mean that traditional views of critical illnesses are constantly changing.
  • Critical Illness Cover is not a savings or investment product and has no cash value unless a valid claim is made.
  • It's essential that you give us all the information we ask for during the application and that it's accurate. If you fail to mention a medical condition, for example, we may not pay out in the event of a claim.
  • If you stop paying the premiums before the end of your policy, your cover will end after 30 days and you will not get anything back.
  • If a valid claim is made we’ll pay out your amount of cover in full once. After this happens, the policy will end and you’ll no longer have any cover. If a valid claim hasn’t been made by the end of the term, the policy will end and you won’t get any money back. 
  • You need to let us know if any of the information you gave us in your application changes before the plan starts.


  • The main factors are your age, occupation, smoker status, health, the level of cover you need and type of contract that you choose. Normally, the older you are, the higher the premium. Your individual height, weight, medical history and lifestyle are all assessed.
  • Once you've taken out cover your premiums are guaranteed and won't change unless you alter your policy.
  • You'll have the option to pay your premiums monthly or annually. If you decide to pay annually you will receive a discount, giving you cheaper premiums. Find out how much you could save.