Our critical illness insurance can be added for an additional fee if you purchase life insurance or sliding scale life insurance. Please read the Critical Illness Insurance Guide (PDF: 149 KB), the Policy Summary PDF: 1.61 MB and the policy brochure PDF: 184 KB before applying. Covers the conditions listed under Critical Illness Insurance. Insurance coverage is included for up to 2 children and applies to biological children, legally adopted children or stepchildren of the adult. Critical illness insurance can help minimize the financial impact on you and your family if you become seriously ill. This is an option that can be added at an additional cost if you purchase life insurance or reduce your life insurance. Our critical illness coverage can be added to life insurance or sliding scale life insurance for an additional fee. They may pay you money if you are diagnosed with one of the serious illnesses we cover during the term of your policy or if you undergo a medical procedure and survive 14 days after diagnosis. Critical illness insurance for children is included at no extra cost. Or your client can choose the Critical Illness for Children program as an extra if they want more coverage. * Insured by AXIS Specialty Europe SE. Support and services are provided by Trustedoctor, a sister company of Further Underwriting International SLU. Your client will receive an initial payment if they are placed on an NHS waiting list for a specific condition.
You may be able to remove critical illness insurance from your policy. It depends on the type of coverage you have and the conditions. You can learn more about your options for changing your coverage in your insurance documents. We have been named Life Insurance Provider of the Year (Direct) three years in a row. Learn more about the difference between critical illness coverage and incurable disease coverage. We offer additional coverage for in situ breast cancer (treated surgically) and low-grade prostate cancer (requiring treatment). This means that if you meet our definitions, we will pay 25% of your cover up to a maximum of £25,000. This benefit does not affect your coverage or the premiums you pay.
If you`re looking for life insurance to specifically cover a repayment mortgage, take a look at our decreasing life insurance, where the amount of coverage pretty much decreases with how a repayment mortgage is reduced. You can also check your bank statements for payments to other insurance companies. For all other options, the maximum amount of coverage depends on your client`s definition of complete and permanent disability: the amount you pay for critical illness insurance varies from person to person. In situ breast carcinoma – treated surgically. Low-grade prostate cancer – requiring treatment. For example, you become a new parent or decide to move to a larger house. These types of events usually mean you need more protection. The good news is that we allow you to increase your coverage without the need for additional medical information about the occurrence of certain life events, making the process as easy and stress-free as possible. Terms and conditions apply. For customers with a higher budget who want a little more protection, Critical Illness offers additional coverage for more terms and additional payments. Your premiums are guaranteed to stay the same unless you change your policy.
Some of the factors that determine your premium are your age, whether or not you smoke (or have smoked or used nicotine replacement therapy in the past 12 months), how much coverage you want, and how long you need it. If you already have critical illness insurance with us, you will find the full terms and definitions available to you in your original insurance documents. The critical illnesses for which you are already insured may differ from those listed below. 5-star cover rated Defaqto, the highest possible rating! Calculators, sales aids and case studies for your customer conversations. Our critical illness coverage automatically includes a number of additional benefits, such as critical illness coverage for children. Claims paid under additional coverage do not reduce your coverage or change your premiums. We pay once for each „additional coverage“. Terms and conditions apply. Learn more about critical illness coverage, list of illnesses we cover Learn more about how life insurance benefits work with our step-by-step guide. Depending on your medical history, certain conditions may be excluded from your policy, but each claim will be considered individually. You will be notified of any exclusions during your application process.
Below is a complete list of serious illnesses covered. If you cancel your policy within the first 30 days, we will refund all premiums paid. No refunds will be made after 30 days. We need a power of attorney from each insured. Your policy will remain in effect throughout your period as long as your rewards are up to date. The easiest way to view and manage your policy is to go to My Account. Simply visit the link to log in or register. You can also click on „Policy Document Request Form“ to receive a policy summary by email. Yes, but we recommend that you consult your financial advisor before cancelling a policy. There are also additional benefits such as childcare allowance and family housing allowance. Find out more about critical illness coverage for children. If you were unable to work due to a serious illness, would you be able to cope with the financial consequences? With a sum of money, you can keep control of the funds and decide what to spend the money on.
If you`re looking for life insurance that doesn`t diminish over time to protect your family or an interest-free mortgage, take a look at our life insurance, where the amount of coverage stays the same throughout the life of the policy. Each claim is handled individually and your claims manager will explain everything in detail if you ever make a claim. Note that we can only send to the email address we currently have stored in our records. Learn more about our privacy policy. If your health deteriorates, Legal and General Critical Illness coverage covers a number of specific critical illnesses. These include various types of cancer, with the exception of less advanced cases. After that, we take control of your claim and keep you informed throughout the process. It is important that you continue to pay your premiums while the claim is being assessed. An exclusive intermediary. Covers all conditions listed in the category Critical Illness Insurance and Extra Critical Illness Insurance, as well as other critical conditions specified for children. Coverage is included for an unlimited number of children. Access some of the UK`s best advisors and non-invasive diagnostic tests for referrals in cardiology, oncology or neurosurgery.
Available for an additional £4.50 per month*. What information do you need? To let us know that you wish to make a claim, you must provide us with the following: **Based on new individual life insurance sales in 2021, Term & Health Watch Report 2022, Swiss Re. If you`ve lost a loved one and can`t find their life insurance policy, check out our helpful guide to what to do. For customers with an increased budget. It covers more conditions, with additional payments for customers who want a little more protection. Since each person`s circumstances are different, it is important to get a quote to get a better idea of the price.
