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

Your client can also choose from two options:

Critical Illness Cover

A comprehensive level of cover to suit a range of budgets.

Critical Illness Extra

For clients with an increased budget. It covers more conditions, with additional pay outs for those clients who want a little more protection.

Children’s Critical Illness Cover is included as standard, or your client can choose to upgrade to Children’s Critical Illness Extra for an extra cost:

Children’s Critical Illness Cover

Covers the conditions listed under Critical Illness Cover. Cover is included for up to 2 children and applies to natural children, legally adopted children or stepchildren of the adult covered.

Children’s Critical Illness Extra

An intermediary exclusive. Covers all conditions listed under Critical Illness Cover and Critical Illness Extra, plus additional specified child critical illness conditions. Cover is included for an unlimited number of children.

Reasons to recommend Critical Illness Cover

Option choices icon

Cover can be tailored to offer choice for different needs

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Access to Wellbeing Support included as standard, with a choice of other optional benefits

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No claims cut-off periods

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.

Support from Umbrella Benefits

Wellbeing Support

Access included as standard. Personalised practical and emotional telephone support from a registered nurse. Provided by RedArc Assured Limited.

 

Fracture Cover

Covers multiple claims a year if your client gets a specified injury, up to £7,500 a year. Available for an additional £5.90 a month*.

 

Private Diagnostics

Access some of the UK’s top consultants and non-invasive diagnostic testing for cardiology, oncology or neurosurgery referrals. Available for an additional £4.50 a month*.

* 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 document

Minimum cover
  • No minimum cover amount. Driven by minimum premium
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:

  • £3 million if Specified Work Tasks
  • £2 million if Own Occupation
Type of cover

The following cover is available:

  • Level cover
  • Increasing cover
  • Decreasing cover (not available with Family and Personal Income Plan (FPIP)
Minimum term
  • Life Insurance (level cover) and Increasing Life Insurance with Critical Illness Cover or Critical Illness Extra: 2 years
  • All other options require a minimum term of 5 years.
Maximum term
  • 50 years
Minimum age
  • 18 years old. It is possible for a life of another policy to be taken on a 17-year-old by an adult with insurable interest. This policy can then be placed in an Absolute Trust with the 17-year-old as the beneficiary
  • Minimum age at the end of the policy is 29 years old
Maximum age
  • Life Insurance (level cover) and Increasing Life Insurance with Critical Illness Cover or Critical Illness Extra: 67 years
  • All other options: 64 years.
  • Policy must end by client’s 75th birthday
Premiums
  • Choice of guaranteed or reviewable depending on the type of cover. Please see Policy Summary for more information.
Joint life policies
  • The cover is paid when the first life insured is diagnosed with a specified critical illness, dies or is diagnosed with a terminal illness (and our Medical Officer has confirmed the illness is expected to lead to death within 12 months) – whichever occurs first
Trusts
  • Policies can be placed in trust
Death in the first year
  • The policy will be cancelled if the life insured dies within the first year of holding the policy as a result of suicide or intentional and serious self-injury or an event where, in our reasonable opinion, the life insured took their own life

Benefits and options

Critical Illness Cover

Critical Illness Extra
Conditions covered
  • Covers the conditions listed under Critical Illness Cover
  • Covers the conditions listed under Critical Illness Cover and Critical Illness Extra
  • Intermediary exclusive
Additional payments
  • Covers the additional payment conditions listed under Critical Illness Cover which pays 25% of cover up to £25,000
  • For FPIP, we’ll pay out 25% of the chosen monthly benefit times the remaining length of the policy up to a maximum of £25,000 for a valid claim
  • Covers the additional payment conditions listed under Critical Illness Extra which pays 50% of cover up to £30,000
  • For FPIP, we’ll pay out 50% of the chosen monthly benefit times the remaining length of the policy up to a maximum of £30,000 for a valid claim
Children’s Critical Illness Cover
  • Included as standard
  • Full payment and additional payment conditions which pays 50% of cover up to £25,000 (original amount of cover if decreasing cover is chosen)
  • For FPIP, we’ll pay out 60 times the amount of the monthly benefit up to a maximum of £25,000 for a valid claim
  • Children are covered for all the conditions listed under Critical Illness Cover except Total and Permanent Disability
Children’s Critical Illness Extra
  • Can be included for an additional cost
  • Full payment and additional payment conditions which pays 50% of cover up to £35,000 (original amount of cover if decreasing cover is chosen)
  • Children are covered for all conditions listed under Critical Illness Cover, Critical Illness Extra and Additional Illnesses for Children’s Critical Illness Extra (except Total and Permanent Disability)
  • For FPIP, we’ll pay out 60 times the amount of the monthly benefit up to a maximum of £35,000 for a valid claim
  • Adviser exclusive
Accident Hospitalisation Benefit
  • Included
Accidental Death Benefit
Changing your policy (previously known as Guaranteed Insurability Option)
  • Can increase cover on certain specified events, without need for further medical evidence
  • Eligibility criteria and restrictions apply
Other changes
  • Your client can request to make other changes to their policy, but this may result in a new policy being set up
Joint life policy separation on divorce or dissolution of a registered civil partnership
  • Can be requested unless a claim has been accepted
Total and Permanent Disability
  • Can be included for an additional cost
  • Must end by client’s 70th birthday
Immediate Cover
Wellbeing Support
  • Access included as standard. Service provided by RedArc Assured Limited
Fracture Cover
  • Optional benefit for an additional cost
Private Diagnostics
  • Optional benefit for an additional cost
Terminal Illness Cover
  • Automatically included for all policies with a term of two years or more
Waiver of Premium
  • Optional. Can be included for an additional cost. Eligibility criteria and restrictions apply.

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