Legal & General offers flexibility in the form of split sums assured, which means that you can choose different sums assured for term assurance and critical illness cover.
Bernie Hickman at Legal & General says, "It is important for people to have adequate cover against critical illness, but sales have been falling for the past few years. Split sums assured makes it easier for advisers to sell critical illness cover on top of life insurance. Clients often cannot afford as much critical illness cover as they can life insurance, which may mean they do not take out any at all."
Critical illness insurance: News update: 4 February 2010