Critical Illness Cover

Critical Illness cover pays out a lump sum if you are diagnosed with one of a wide range of critical illnesses that meets our policy definition within the term of your plan, assuming premiums are maintained. You must live for at least 14 days after diagnosis for a claim to be paid. If you stop paying your premiums your cover may cease.

If you are diagnosed with one of the wide range of illnesses covered by the policy the money from any pay out could give you a real choice of how you go on to live your life. You could possibly pay off your mortgage, move house, make home adjustments, or simply take a holiday to recuperate.

You can choose between decreasing, level and index linked cover. If you choose level cover, inflation will reduce the buying power of the sum assured.

The plan has no cash in value at any time. We only cover the critical illnesses defined in our policy and no others.

To apply for Critical Illness cover:  

• You must be a UK resident (not the Channel Islands or Isle of Man).
• You must be aged 17 to 59.
• The policy term must be for at least 5 and no more than 40 years.
• The policy must end before you reach age 65.
• The minimum premium is £5 per month.

Please note that this information should not be considered as advice to take out this plan. Should you have any doubt about whether it is suitable you should contact a Financial Adviser.

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