We know life doesn't stay the same for long, so if your clients' circumstances change during the life of their plan, they can change their cover to suit their needs.
To help protect against the effects of inflation,your clients can choose to increase the amount of cover over the term of their plan in one of two ways:
Your clients can reduce the amount of cover over the term of their policy in two ways:
If your clients are getting married, taking out their first mortgage, increasing their existing mortgage, their rent is increasing or becoming a parent, they can increase their cover within certain limits without providing any medical evidence.
However, if they want to increase the amount of their cover for any other reason, or by more than the specified limits, they may need to supply medical evidence.
When your clients take out Life or Critical Illness Cover, they can choose to add a level of Children's Critical Illness Cover - or they can choose to leave it off entirely. Your clients can also change or remove their Children's Critical Illness option at any time during the term of their plan.
Enhanced Children's Critical Illness Cover - our most comprehensive option, it provides protection from pregnancy to young adulthood (age 22, or 23 if in full-time education). It includes 13 child-specific conditions and an extra additional condition for pregnancy complications.
And with this level of Children's Critical Illness Cover, we automatically include a Children’s Critical Illness Cover Conversion Option. This means that within six months of the children’s cover ending, the child can take out their own Life or Critical Illness Cover with us, without any medical underwriting. This is for the same amount as they were covered for on their parent’s plan, up to a maximum amount of £50,000. This option isn’t available if we’ve already paid a life or critical illness claim for the child.
Standard Children's Critical Illness Cover - cover for 44 main critical illness conditions plus total permanent disability. An option for clients who want some protection for older children, or who may be more cost conscious.
We'll pay a valid death claim regardless of where in the world the person covered dies. Claims for critical illness cover can be made from any country, however we might need the person covered to return to one of the countries listed on page 5 of our plan details.
There are some situations where we won’t pay a claim, depending on the product your client has taken out. For more information see pages 7-8 of our plan details.
For full terms and conditions, see our Personal Menu Life or Critical Illness cover plan details.