Life & Critical Illness cover

It's a difficult subject, but what would happen if you were diagnosed with a critical illness? Or if you were to pass away, what would happen to the people you love the most?

With the Personal Protection Plan, provided by Royal London, depending on which option you choose, you'll receive life and critical illness insurance to give your loved ones some financial security if the worst happens. To find out more, give us a call on 0800 587 5053

Why choose the Personal Protection Plan (provided by Royal London)?

• Choose the length of plan and a level of cover that suits you from life cover and/or critical illness cover
• Critical illness benefit covers a wide range of critical illnesses, including heart attack, stroke and cancer. There are exclusions, limitations and restrictions to the cover including some less advanced types of cancer,
• Receive a payout if you’re diagnosed with a ‘Total Permanent Disability’ meeting the definitions and you are unable to work
• Terminal Illness benefit pays out a lump sum if you’re diagnosed as being terminally ill and meet the terminal illness definition. 
• Additional benefits – when you take out critical illness benefit, this will include life cover to the same value as the critical illness benefit and children’s critical illness benefit for up to £20,000 per child (or 50% of the sum assured if it’s less)
• Rate guarantee – the cost of your life or critical illness insurance will never rise during the term of your plan unless you increase your cover
• Peace of mind – for an additional amount you can choose the ‘Waiver of Premium’ benefit which means your premiums are paid if the policy definition is met for longer than six months meaning you can’t work because of illness or injury
• Options to increase your cover before the age of 55, in certain circumstances, including moving house, marriage and childbirth, without having to provide additional medical evidence with our Guaranteed Insurability Options

Important information

• You must be aged 18 or more and younger than 65 at the start of the plan and younger than 70 when the plan ends
• For waiver of premium, you have to be aged 54 or less at the start of the plan
• Exclusions, restrictions and limitations apply – please see the Standard Provisions document for full details
• If you stop paying premiums, your plan will end 28 days after the last premium you paid
• Your plan will have no surrender or cash-in value at any time
• The plan may not pay out if you do not disclose any requested information and pre-existing conditions before the start of the plan
• When a claim has been paid out your plan will end and your cover will stop
• The minimum term is five years and maximum term is 35 years

For more information about the plan, you can read the Personal Protection Plan Policy Summary.

To see the full details and the terms and conditions of the plan, please read the Personal Protection Plan Standard Provisions document

Let’s talk
Call for a quote today on 0800 587 5053.