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Product profile
Description
Pays out a guaranteed tax-free cash sum if you suffer from one of a defined list of critical illnesses or disabilities
For
Aged 18 to 54
Maximum amount payable
£500,000
Critical Illnesses covered
- Alzheimer's Disease
- Aorta graft surgery
- Bacterial meningitis
- Benign brain tumour
- Blindness
- Cancer
- Coma
- Coronary artery bypass grafts
- Creutzfeldt-Jakob Disease
- Deafness
- Heart attack
- Heart valve replacement or repair
- HIV from physical assault
- HIV from blood transfusion
- HIV/AIDS from eligible high risk occupation
- Kidney failure
- Loss of hands or feet
- Loss of speech
- Major organ transplant
- Motor neurone disease
- Multiple sclerosis
- Open heart surgery
- Paralysis of limbs
- Parkinson's Disease
- Permanent and total disablement
- Progressive supra nuclear palsy
- Stroke
- Third degree burns
Not covered
- Any illness not specified
- Some forms of cancer
- Children:
- Alzheimer's Disease
- HIV/AIDS from high risk occupation
- Parkinson's Disease
- Permanent and Total Disablement
- Pre-senile dementia
- Progressive supra nuclear palsy
Period of cover
- Minimum five years (10 years if decreasing)
- Maximum 35 years
- Cover ends: 64 guaranteed premiums, 69 reviewable premium
Benefits
- You choose the amount
- Children's critical illness included
- Guaranteed insurability option on selected events
- Premium waiver
Options
- Level, decreasing or increasing benefit basis
- Reviewable or guaranteed premium
