Nobody wants to worry about how they'd cope financially if they were ill or injured and couldn't work.
That's why our Income Protection and Critical Illness products are designed to give you peace of mind, knowing you'd get a payout or a monthly income if you became critically ill or too sick to do your job.
Available through an independent financial adviser, these covers are designed to help lighten the financial load and make it easier for you and your family to cope at a time when you need to concentrate on getting better.
Please note: Your plan doesn’t have a cash-in value at any time and if you stop paying your premiums your cover will stop.
Critical Illness Cover
Pays out a lump sum or monthly income if you're diagnosed with a critical illness or total permanent disability, covered by your plan. And you can choose to include Children's Critical Illness Cover with your plan.
Life or Critical Illness Cover
Pays out a lump sum or income if you die or are diagnosed with a critical illness, or if you are diagnosed with a terminal illness or total permanent disability, covered by your plan, whichever happens first. And you can choose to include Children's Critical Illness Cover with your plan.
Pays out a monthly amount if you are unable to do your job due to an illness or injury that meets our definition of incapacitated.
We believe good protection is about more than just money. That’s why all our protection plans bought through an independent financial adviser come with Helping Hand - a comprehensive support service that gives you access to a dedicated nurse during times of need.
Helping Hand is a package of support services and each service is provided by third parties that aren’t regulated by either the Financial Conduct Authority or the Prudential Regulation Authority. These services aren’t part of our terms and conditions and don’t form part of your insurance contract with us, so can be amended or withdrawn at any time. This means that you or your family’s access to these services could be amended or withdrawn by us in the future.
Value of advice
If you think that our Critical Illness and Income Protection Cover could be right for you the next step is to speak to an independent financial adviser. There are many benefits to independent advice.