SKIP TO MAIN CONTENT
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
COMBINED LIFE AND CRITICAL ILLNESS PROTECTION LIMITS
Term

5 to 52 years

Age when cover starts

18 to 64

Age when cover ends

70

Amount

£3 million

NON-MEDICAL LIMITS
REQUIREMENT LEVELS Up to age 40 Age 41-50 Age 51-60 Age 61-64
Nil

Up to £500,000

Up to £300,000

Up to £150,000

Up to £75,000

Level A

£500,001 - £750,000

£300,001 - £500,000

Not applicable

Not applicable

Level B

Not applicable

Not applicable

£150,001 - £250,000

£75,001 - £150,000

Level C

£750,001 - £3,000,000

£500,001 - £2,000,000

Not applicable

Not applicable

Level D

Not applicable

Not applicable

£250,001 - £750,000

£150,001 - £500,000

Level E

£3,000,001 or more

£2,000,001 or more

£750,001 - £1,000,000

Not applicable

Level F

Not applicable

Not applicable

£1,000,001 or more

£500,001 or more

REQUIREMENT LEVELS
Nil

Up to £500,000

Level A

£500,001 - £750,000

Level B

Not applicable

Level C

£750,001 - £3,000,000

Level D

Not applicable

Level E

£3,000,001 or more

Level F

Not applicable

Nil

Up to £300,000

Level A

£300,001 - £500,000

Level B

Not applicable

Level C

£500,001 - £2,000,000

Level D

Not applicable

Level E

£2,000,001 or more

Level F

Not applicable

Nil

Up to £150,000

Level A

Not applicable

Level B

£150,001 - £250,000

Level C

Not applicable

Level D

£250,001 - £750,000

Level E

£750,001 - £1,000,000

Level F

£1,000,001 or more

Nil

Up to £75,000

Level A

Not applicable

Level B

£75,001 - £150,000

Level C

Not applicable

Level D

£150,001 - £500,000

Level E

Not applicable

Level F

£500,001 or more

MEDICAL UNDERWRITING LIMITS
Level A

Nurse screening + finger prick blood test or traditional blood draw to include glucose and total cholesterol

Level B

Nurse screening + blood test 2

Level C

Nurse screening + blood test 1 + general practitioner's report

Level D

Nurse screening + blood test 2 + general practitioner's report

Level E

Medical examination report + blood test 2 + general practitioner's report + exercising ECG

Level F

Medical examination report + blood test 3 + general practitioner's report + exercising ECG

  • Cotinine tests included with all nurse screenings and medical examinations for non-smokers
  • Blood test 1 – Biochemistry & HbA1c
  • Blood test 2 – Biochemistry, haematology & HbA1c
  • Blood test 3 – Biochemistry, haematology, HbA1c & HIV & PSA (for males)
FINANCIAL EVIDENCE LIMITS
Evidence required Limit
None

Up to £500,000

Financial questionnaire

£500,001 - £1,500,000

Independent third party

More than £1,500,000

Smoking categories

A smoker is someone who has used a tobacco product or nicotine replacement product such as e-cigarettes.

We have 3 categories for smoking-related premiums:

  • Current user
  • No usage in the last 12 months
  • No usage in the last 5 years

If your client was a smoker and stops smoking or using tobacco or replacement products for a period of 12 months, we’ll reassess their cover and may be able to reduce their premium accordingly. We’ll also reassess their cover after they’ve stopped for 5 years and may be able to reduce their premium further if you contact us to confirm.

BODY MASS INDEX (BMI) LIMITS

The tables below show the premium rating we’ll apply to your clients Combined Life & Critical Illness Protection policy for their BMI.

These are just the ratings for BMI, and other factors are taken into account when underwriting for build. For example, pregnancy, body shape or unexplained weight loss. Our underwriters may ask for further information in those situations which might lead to a different decision. If you’d like more information before you submit an application, call us on 0808 133 1821.

BMI minimumBMI min BMI maximumBMI max Expected
up to 16.999 Decline
17 17.999 40% rating
18 29.999 Standard
30 30.999 20% rating
31 32.999 45% rating
33 34.999 70% rating
35 36.999 95% rating
37 38.999 120% rating *
39 53.999 Decline

* We may ask for medical evidence.

BMI minimumBMI min BMI maximumBMI max Expected
up to 16.999 Decline
17 17.999 50% rating
18 29.999 Standard
30 31.999 20% rating
32 33.999 45% rating
34 35.999 70% rating
36 36.999 90% rating
37 37.999 95% rating
38 38.999 115% rating *
39 39.999 120% rating *
40 54.999 Decline

* We may ask for medical evidence.

BMI minimumBMI min BMI maximumBMI max Expected
up to 16.999 Decline
17 17.999 50% rating
18 31.999 Standard
32 33.999 20% rating
34 34.999 45% rating
35 36.999 65% rating
37 37.999 90% rating
38 38.999 110% rating
39 39.999 115% rating *
40 54.999 Decline

* We may ask for medical evidence.