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Life and Critical illness protection
Combined

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

We’ve upgraded our critical illness cover, for new and existing customers. Without raising costs.

FULL PAYOUT CONDITIONS

If your client is diagnosed with one of the following illnesses or conditions, we’ll pay 100% of the amount of cover specified on their cover summary.

ADDITIONAL PAYOUT CONDITIONS

If your client is diagnosed with one of the following illnesses or conditions, we’ll pay an additional amount.

We’ll pay 50% of the amount they’re covered for up to a maximum of £50,000. The exception being for low-risk non-melanoma skin cancer which pays 10% of the amount they’re covered for, up to a maximum of £50,000.

Additional payouts are payable more than once, but not for the same condition, with the exception of carcinoma in situ which can be claimed multiple times so long as the site of each carcinoma in situ is different. The amount covered (on your client’s cover summary) would remain intact should they need it in the future for a further claim.

We’ve also removed Surgery Cover. Instead, we’ve improved the wording on all the conditions that Surgery Cover covered, so they now all result in a full payout for new and existing customers.

It also now means we cover 14 NHS surgery conditions.