Life Protection

Life Protection

Reasons to recommend

  • Better Terminal Illness cover
  • Covers kept separate with our dual life approach
  • Premium Waiver included as standard
  • Payout Planner
  • Optional children’s critical illness cover
  • Guaranteed increase option
  • Immediate Cover
  • Lifestyle promise
  • HALO claims service
  • Guardian Anytime

Uniquely, our Life Protection terminal illness definition not only pays out the full amount of cover if your client is diagnosed as being terminally ill and, in the opinion of their attending UK Consultant, the illness is expected to lead to death within 12 months. But also, we guarantee to pay out if they have a definite diagnosis by a UK Consultant that satisfies one of the following definitions.


Histologically confirmed as TNM stage 4 (or equivalent staging system for the specific tumour site) and, in the opinion of the attending UK Consultant, there are no curative treatments available that will prevent further progression of the condition.


A definite diagnosis by a UK Consultant Neurologist of one of the following motor neurone diseases:

  • Amyotrophic lateral sclerosis
  • Kennedy’s disease
  • Primary lateral sclerosis
  • Progressive bulbar palsy
  • Progressive muscular atrophy
  • Spinal muscular atrophy

There must also be a permanent clinical impairment of motor function.


A definite diagnosis by a UK Consultant Neurologist or Geriatrician of one of the following Parkinson-plus syndromes:

  • Multiple system atrophy
  • Progressive supranuclear palsy
  • Parkinsonism-dementia-amyotrophic lateral sclerosis complex
  • Corticobasal ganglionic degeneration
  • Diffuse Lewy body disease

There must also be permanent clinical impairment of at least one of the following:

  • Motor function
  • Eye movement disorder
  • Dementia



A definite diagnosis by a UK Consultant Neurologist of Creutzfeldt-Jakob disease.

These definitions apply to Life Protection only. For Life Essentials definitions, visit the Life Essentials product page.