Critical illness

Critical illness cover provides a lump sum if you die or are diagnosed with a critical or terminal condition during the policy term, as long as your critical illness is one of those specified in the policy.

This is money that can help you and your family adapt to your change in circumstances or, if you die, help support your loved ones in your absence, although it’s no replacement for life assurance.These policies have no cash in value at any time.

There is a range of critical illness policies, details can be found in the key features document. Our mortgage advisors can point you in the right direction.

The premiums you pay will vary depending on your

• Age
• Sex
• Occupation
• Health
• Smoker status
• Policy term

Critical illness policies do offer smoker and non smoker rates. To be considered a non smoker, you must not have used cigarettes, cigars, pipes or nicotine replacement in the last 12 months (this includes occasional use).

Find your local advisor to discuss critical illness.