Scottish Widows : Protection for Life - Life with Critical Illness

Product profile

Description

Pays out a guaranteed cash sum if you're diagnosed as suffering from a specified critical illness, terminal illness, or if you die.

Age

18 to 64

Maximum amount payable

£5 million

Critical illnesses covered

• Alzheimer's Disease

• Aorta graft surgery

• Bacterial meningitis

• Benign brain tumour

• Blindness

• Bone marrow failure

• Cancer

• Coma

• Coronary artery by-pass graft surgery

• Creutzfeldt-Jakob disease (CJD)

• Deafness

• Heart attack

• Heart valve replacement or repair

• HIV infection from assault

• HIV infection from blood transfusion

• HIV infection from work in eligible occupation

• Kidney failure

• Loss of hands or feet

• Loss of speech

• Major organ transplant

• Motor neurone disease

• Multiple sclerosis

• Paralysis of limbs

• Parkinson's Disease

• Progressive supranuclear palsy

• Stroke

• Third degree burns

• Total permanent disability

• Traumatic head injury

Not covered

• Any illness not specified

• Some forms of cancer

Period of cover

• Minimum one year (five years on decreasing basis)

• Maximum 25 years

• Cover ends at 69

Benefits

• You choose the amount

• Death

• Terminal illness

• Guaranteed increase options on certain lifestage events

• Premium reviewable every five years

Warning

The insurer carries out random checks of recently started policies so if your policy is chosen, you'll be required within 30 days to undergo a medical examination. If you decline to be examined or, as a result of this examination, insurers find out that you've failed to tell them about a piece of material information, they can change or even cancel your policy.

Options

• Premium protection

• Level benefit

• Increasing benefit

• Decreasing benefit

• Indexation

• Reviewable or guaranteed premiums

Want to know more?

www.scottishwidows.co.uk/protection/choosing_your_cover.html 

Get a quote

www.scottishwidows.co.uk/protection/get_a_quote.html