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Combined

Life and Critical Illness Protection

Pays out if you die or become critically ill, so you
have all the cover you need should the worst happen.

Why is it a good idea?

Why is it a good idea?

The best of both worlds

Dying might be our biggest fear, but critical illness is our biggest risk. So, it pays to protect yourself against both illness and death as either would have a big impact on your family’s financial security.

That’s why our Combined Life and Critical Illness Protection is popular.

It pays out once. It pays out if you’re diagnosed with either a critical illness or a terminal illness where you’re expected to live less than 12 months, or if you die.

How does it work?

How does it work?

A single payout if you die or get critically ill

Our Combined Life and Critical Illness Protection gives you or your loved ones a financial payout if you die or have a critical illness while your policy is in force.

It covers you for a range of serious, life-changing conditions, including the 3 most common – heart attack, stroke and cancer. It also covers you for a permanent disability from an illness or accident, or if you become terminally ill.

Together with your Financial Adviser, you decide how long you want your policy to last, and the amount of cover you need – that’s the amount we pay out.

Your monthly premiums are determined by your age and health when you apply, but it’s worth remembering that the younger you are, the lower they’ll be.

Single or dual life?

Single or dual life?

Protection for you and your partner

These days the family depends on both parents equally – whether you both work to meet the monthly commitments, or just one of you earns while the other carries out all the essential household tasks that keep the family going.

So, to provide a family with complete protection, both parents should ideally be covered against death and illness.

That’s why, if you have a partner – whether they work or not – it pays to consider our dual life approach. Dual cover pays out if either of you is diagnosed with a critical illness or dies prematurely, providing the money to make the most difficult of situations easier for all involved. Unlike normal joint cover, if one of you has to claim your partner will still have cover in place and won’t have to try and replace it when they’re older.

What type of cover do you need?

What type of cover do you need?

There’s a choice of 3:
Level Cover

With Level Cover, you choose the amount of cover you want and the length of time you want to be covered. The amount is fixed, and when you apply you can choose whether to receive a lump sum when you claim or a regular monthly payment.

Decreasing Cover

Decreasing Cover is designed to cover mortgages and other long-term borrowing. So, as the outstanding borrowing goes down, so does the cover. Because of this, the premiums tend to be lower, and it also only pays out a one-off lump sum.

Increasing Cover

They say what goes up must come down. But what about the cost of living? That only ever goes in one direction. So, to keep up with rising prices, the amount of cover you get with Increasing Cover rises in line with inflation. Unlike Level Cover, the cost increases each year.

POLICY KEY FACTS

Combined Life and Critical Illness Protection is just one of the ways we can help protect you and your family from financial uncertainty. For more details, view our key facts document.

To find out exactly what suits your needs best, speak to a Financial Adviser.

OUR COMBINED LIFE AND CRITICAL ILLNESS COVER IS THE PERFECT POLICY FOR ANY NEW HOMEOWNERS. IT’S BOTH AFFORDABLE AND COMPREHENSIVE.

Jacqui Gillies
Marketing and Proposition Director

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Additional benefits

ALL THE SUPPORT
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FAMILY NEED