Legal and General : Family Protection Plan with Critical Illness option

Product profile

Description

Age

Critical Illnesses covered

• Alzheimer's Disease
• Aorta graft surgery
• Aplastic anaemia
• Bacterial Meningitis
• Benign brain tumour
• Blindness
• Cancer
• Cardiomyopathy
• Coma
• Coronary artery by-pass grafts
• Creutzfeldt-Jakob Disease
• Deafness
• Dementia
• Encephalitis
• Heart attack
• Heart valve replacement or repair
• HIV caught from physical assault
• HIV caught from blood transfusion
• HIV caught from accident at work
• Kidney failure
• Liver failure
• Loss of hands or feet
• Loss of speech
• Major organ transplant
• Motor neurone disease
• Multiple sclerosis
• Paralysis of limbs
• Parkinson's Disease
• Primary pulmonary hypertension
• Progressive supranuclear palsy
• Respiratory failure
• Stroke
• Systemic lupus erythematousus
• Third degree burns.
• Total and permanent disability
• Traumatic head injury

Not covered

• Any illness not specified
• Some types of cancer
• Children not covered for total and permanent disability
• Children not covered for congenital , familial or pre-existing condition

Maximum sum insured

£ 5 million

Period of cover

• Minimum 2 years
• Maximum 40 years on reviewable premium and 25 years for guaranteed premium
• Cover ends at age 70

Benefits

• You choose the amount
• Life cover
• Terminal illness
• Children's critical illness
• Guaranteed Insurability option
• Waiver of premium
• Level benefit basis
• Healthy Living online health assessment
  

Options

• Indexation
• Guaranteed or reviewable premium
• Can have separate sums insured on life and critical illness
• Pay as you go indexation