LIFE AND CRITICAL
ILLNESS COVER
Life and critical illness cover provides financial protection for your client’s family if they die, or if they’re diagnosed with a terminal illness or a critical illness.
We offer 2 life and critical illness covers:
ESSENTIALS
Our standard range, ideal for clients who want quality cover at a more affordable price.
PROTECTION
Our signature range, ideal for clients who want enhanced cover with quality features.
Product overview
Policy details
Basis: Single or dual life
Premiums: Guaranteed
Pay outs: Lump sum
Type of cover: Level Cover, Increasing Cover (RPI) and Decreasing Cover (8%)
Minimum age at entry: Age 18
Maximum age at entry: Age 64
Maximum age at end of term: Age 70
Minimum cover amount: £10,000
Maximum cover amount: £3 million
Total permanent disability: Included
Key Product Features
Definitions designed to pay: Clearer, more all-encompassing definitions
Cover upgrade promise: If we improve critical illness definitions for new policyholders, we’ll give those improved definitions to existing policyholders too
Dual life: Both partners’ cover is kept separate
Premium Waiver: Comes as standard with every policy
Optional Children’s Critical Illness Protection: Can be added to adult cover anytime
Protection Menu: Can be mixed and matched with any cover from either our Essentials or Protection ranges
Payout Planner: Nominate beneficiaries so any life payout bypasses probate
Immediate Cover: Temporary cover up to £500,000 for critical illness and £1,000,000 that starts as soon as we receive a completed application form
Lifestyle promise: We may be able to reduce premiums if they were paying an increased amount and they subsequently stop smoking, lose weight, change job or give up activities
Guaranteed Increase Option: Increase cover with no underwriting, medical evidence, or application
Additional Services
HALO: Access to tailored medical and legal support at the point of claim
Anytime: At no extra cost access to a GP 24/7, second medical opinions, wellbeing and aches and pains consultations at any time
HALO and Guardian Anytime don’t form part of your client’s contract with us, and we can change or remove the benefits included at any time.
