Types of Critical Illness cover

You can choose between the following options:

The lump sum that would be paid out keeps going down each year to match the amout on your repayment mortgage provided that the interest rate on your mortgage doesn't go up to more than 12%.

The lump sum that would be paid out if you claim, is fixed when your policy starts and will not change.  This means it will not keep up with inflation and will buy less in the future.

Both the lump sum that would be paid out and the premiums you need to pay go up each year in line with rising prices.  We measure this using the Retail Prices Index (RPI).

Remember, whichever option you choose, if you stop paying your premiums your cover may cease.  This policy has no cash-in value at any time.