Life and Critical illness protection

Life and Critical illness protection

Reasons to recommend

  • Crystal clear definitions
  • Covers kept separate with our dual life approach
  • All-round affordable cover
  • Premium Waiver included as standard
  • Immediate Cover
  • Optional children’s critical illness cover
  • Cover upgrade promise
  • Lifestyle promise
  • HALO claims service
  • Guardian Anytime

Our Combined Life and Critical Illness Protection (sometimes known as accelerated critical illness cover) has been specifically designed for clients looking for affordable cover to protect their mortgage.

Providing a single payout in the event of death or critical illness, it offers clients all-round protection. What’s more, you can enhance the amount of life or critical illness cover separately by adding our stand-alone covers.


Single life or dual life




Lump sum

Type of cover

Level Cover, Increasing Cover (RPI), Decreasing Cover (8%)

Definitions designed to pay
Definitions designed to pay

Our focus is on providing the best possible cover for the most common illnesses and we never apply general exclusions. We aim to make our definitions clearer and more all-encompassing than the rest of the market. And, in many cases, the word of a UK Consultant is all we need to pay out.

Cover upgrade promise
Cover upgrade promise

We believe existing customers should be treated as well as new ones. If our critical illness definitions improve, we check any claim against both the definitions they bought, and the definitions for new customers. And, for most conditions, we pay out if the claim is valid under either.

Occasionally, we may introduce changes that we won’t automatically upgrade. If this happens, we offer existing customers the chance to pay to add them.

Dual life
Dual life

With our dual life approach, each person has their own individual cover. And because they both have their own cover, in the event of a claim the survivor will still have their own cover in force which means there could be 2 payouts.

Total permanent disability
Total permanent disability

If we offer your clients an own occupation definition of total permanent disability, we cover them while they’re working, regardless of their age. For retired or unemployed clients, we use activities of daily living or mental incapacity instead.

Premium waiver
Premium waiver

Premium Waiver comes as standard regardless of age, occupation or activities. So if we offer someone cover, they automatically get waiver. And we not only waive premiums if they’re too ill to work, we also waive them for up to 6 months for maternity/paternity leave or if they involuntarily lose their job.

Optional children’s critical illness protection
Optional children’s critical illness protection

Rather than including Children’s Critical Illness Protection as standard, we made it an optional extra. This means it’s readily available for those who have children, but premiums are kept to a minimum for those who don’t.

You can choose any amount between £10,000 and £100,000 but the amount is limited to the parent’s sum assured. What’s more, it can be added or removed at any time in the future.

Guaranteed increase option
Guaranteed increase option

We offer most policyholders the chance to add to their cover with no underwriting, no medical evidence, no application form and no age limit.

Policyholders who have the guaranteed increase option on their policy can add to their cover with no underwriting, no medical evidence, no application form, and no age limit. See policy terms and conditions for more details.

Immediate cover
Immediate cover

If your clients’ cover can’t start right away, we may put Immediate Cover in place for them. This is temporary cover, of the same type you’ve applied for, and it starts as soon as you submit the application online to make sure there are no gaps in your clients’ protection.

Lifestyle promise
Lifestyle promise

We may be able to reduce a client’s premium if they were paying an increased amount due to their health or lifestyle and they subsequently:

  • Stop smoking
  • Lose weight for a sustained period
  • Change job
  • Give up sports activities
Anniversary emails
Anniversary emails

Our anniversary emails remind clients of the benefits of their policy, including the additional benefits they can use anytime. It also prompts them to speak to their Financial Adviser if their circumstances have changed. You can view a copy of the emails your clients will receive each policy anniversary below, depending on if they have level or increasing cover.

Additional sERVICES include:

We don’t have a set list of additional services when people claim. Our approach is much more personal, and we call it HALO. Our claims specialists listen to each claimant’s concerns, identify the exact help they need, and through our network of medical and legal experts, make it happen. It’s an extraordinary service, because there’s no such thing as an ordinary claim.

We’re not just here for policyholders when they need to claim. All our customers get free additional benefits – anytime. This currently includes 24/7 GP consultations over the phone from anywhere in the world and UK-based face-to-face second medical opinions.




Children's Critical Illness<br/>Protection

Children's Critical Illness