Comprehensive policies for a difficult time
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
Key features and benefits
Fast underwriting decisions
83% of underwriting decisions receive an instant decision.
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.
Extra protection
For clients with a higher budget who want a little more protection, Critical Illness Extra provides cover for more conditions and additional payments.
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 your client's children
Children’s Critical Illness Cover is included for no extra cost. Or your client can choose Children’s Critical Illness Extra for an additional cost if they want more protection.
Advanced payment for surgical treatment
Your client will receive an advanced payment if they’re placed on an NHS waiting list for a specified condition.
* Insured by AXIS Specialty Europe SE. The support and services are provided by Trustedoctor, a sister company of Further Underwriting International SLU.
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Product details
For full details, see key documents for the Policy Summary and Policy Booklet
Critical Illness Cover and Critical Illness Extra overview
For full details, download the Product Profiles PDF size 905KB document
Minimum cover |
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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 |
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Minimum age |
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Maximum age |
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Premiums |
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Joint life policies |
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Trusts |
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Death in the first year |
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Benefits and options
Critical Illness Cover |
Critical Illness Extra |
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Conditions covered |
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Additional payments |
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Children’s Critical Illness Cover |
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Children’s Critical Illness Extra |
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Accident Hospitalisation Benefit |
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Accidental Death Benefit | ||||
Changing your policy (previously known as Guaranteed Insurability Option) |
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Other changes |
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Joint life policy separation on divorce or dissolution of a registered civil partnership |
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Total and Permanent Disability |
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Immediate Cover | ||||
Wellbeing Support |
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Fracture Cover |
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Private Diagnostics |
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Terminal Illness Cover |
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Waiver of Premium |
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