Life or Critical Illness Cover can give you and your family the financial stability you need to cope with the money worries that illness and death can bring.

We pay 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.

Available through an independent financial adviser, our Life or Critical Illness Cover is designed to give you peace of mind should the worst happen.

And it comes with practical and emotional support through our Helping Hand service.

Remember that these plans don't have a cash-in value at any time and if you stop paying your premiums your cover will stop.

Some benefits of our Life or Critical Illness Cover



We cover 47 critical illnesses, including the most common reasons for claim (cancer, heart attack, stroke, children's critical illness and multiple sclerosis), so you're in safe hands. 



Extra peace of mind

We also cover 20 additional illnesses - including 13 early forms of cancer - with a payout of 50% of the cover amount, up to £30,000. 


Practical and emotional support

Our plans come with Helping Hand, a support service that gives you access to a dedicated nurse who can help you and your family during difficult times. 

Children's Critical Illness Cover

Nobody wants to think about their child becoming critically ill but it's more common than you might think. That's why, when you take out Critical Illness Cover with us, we also give you the option to cover your children.

You can add Enhanced Children's Critical Illness Cover or Standard Children's Critical Illness Cover to your plan, depending on your needs and budget.

And you can add or remove it at any time. If you make a claim for your child, it doesn’t affect your main Critical Illness Cover.

Find out more

Helping Hand

If you purchase one of our plans through an independent financial adviser, it comes with Helping Hand - a comprehensive support service that gives you access to a dedicated nurse should you experience illness, injury or bereavement during the term of your plan. And you don't need to make a claim to use it.

Your dedicated nurse can recommend a number of additional services if they think it’s going to help. For example:

  • A second medical opinion
  • Support recovering from a heart attack
  • Speech and language therapy after a stroke
  • Complementary therapies to help manage symptoms or help with recovery
  • Bereavement counselling and support

Helping Hand is not available on plans bought direct through our website. Helping Hand is a package of support services, provided by third parties that aren’t regulated by the Financial Conduct Authority. These services aren’t part of our terms and conditions, so can be amended or withdrawn at any time.

Find out more 

Waiver of Premium (Sickness)

Waiver of Premium (Sickness) is available as an add-on to our tailored plans.

This means if you have an accident or illness that leaves you unable to work or carry out a number of tasks, you won't have to worry about your monthly policy payments as we’ll pay these for you. You can decide the amount of time between you stopping work and us paying your premiums. The choices are 4, 8, 13, 26 or 52 weeks. 

Value of advice

If you think that our Life or Critical Illness Cover could be right for you the next step is to speak to a financial adviser. There are many benefits to independent advice.

Find out more about the value of advice

Looking for something different?

If you would prefer to buy your Life Insurance directly with us, you've the option to add Serious Illness Benefit cover.
  • It offers extra protection for you and your children aged over 30 days old, by giving you cover for six illnesses that we define, if you survive 30 days after your diagnosis
  • You could add this for an additional cost when you take out Life Insurance, which you can buy online now