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Product profile
Description
Pays out a decreasing cash sum to protect a mortgage if you die or get a terminal illness within the policy period
Pays out a guaranteed cash sum if you are diagnosed with a specified critical illness and then survive for at least 14 days
Age
16 to 59 (54 if premium protection option taken)
Maximum amount payable on critical illness option
£500,000 on all CI policies with all insurers
Critical Illnesses covered
- Alzheimer's Disease (before age 60)
- Aorta graft surgery
- Benign brain tumour
- Blindness
- Cancer
- Coma
- Coronary artery by-pass grafts
- Creutzfeldt-Jakob Disease
- Deafness
- Heart attack
- Heart valve replacement or repair
- HIV caught rom physical assault
- HIV caught from blood transfusion
- HIV caught at work
- Kidney failure
- Loss of hands or feet
- Loss of independent existence
- Loss of speech
- Major organ transplant
- Motor neurone disease
- Multiple sclerosis
- Paralysis of limbs
- Parkinson's Disease (before age 60)
- Pre-senile dementia
- Stroke
- Third degree burns.
- Total permanent disablement (before age 60)
- Traumatic head injury
Extra illness for Children only
Illnesses for which Children are not covered
- Alzheimer's Disease
- HIV resulting from physical assault
- HIV from blood transfusion
- HIV caught at work
- Loss of independent existence
- Parkinson's Disease
- Pre-senile dementia
- Total permanent disablement
Not covered
- Any illness not specified
Period of cover
- Minimum one year
- Maximum 40 years
Benefits
- You choose the amount
- Children's critical illness included
- Life cover
- Terminal illness cover
- Decreasing term basis
Options
