Legal and General Life Insurance with Critical Illness Key Features
Our critical illness coverage can be added to life insurance or sliding scale life insurance for an additional fee. They could pay cash if you are diagnosed or undergo a medical procedure with one of the specified critical illnesses that we cover during the term of your policy, and you survive 14 days after diagnosis. We understand that your situation may change in the future. In order for your policy to adapt to your needs, we offer a few options that can help you. For more information about critical illness coverage, List of illnesses we cover Yes, we automatically include critical illness coverage for children when you select Critical illness coverage. If your child is diagnosed with a serious illness that we cover, we may pay £25,000 or 50% of your insurance amount, whichever is lower. You can also check your bank statements for payments to other insurance companies. Some cancers are not included and you must have permanent symptoms to make a claim for certain diseases. If you already have critical illness insurance with us, you will find the full terms and definitions available to you in your original insurance documents. The critical illnesses for which you are already insured may differ from those listed below.
For customers with an increased budget. It covers more conditions, with additional payments for customers who want a little more protection. For customers with a higher budget who want a little more protection, Critical Illness offers additional coverage for more terms and additional payments. No maximum amount of coverage for life insurance only, subject to underwriting Covers the conditions listed under Critical Illness Insurance. Insurance coverage is included for up to 2 children and applies to biological children, legally adopted children or stepchildren of the adult. An exclusive intermediary. Covers all conditions listed in the category Critical Illness Insurance and Extra Critical Illness Insurance, as well as other critical conditions specified for children. Insurance coverage is included for an unlimited number of children. Critical illness coverage can pay out an amount of money if you are diagnosed or medically treated with one of the critical illnesses we cover for the duration of your policy, and you will survive 14 days after diagnosis. Since a critical illness can affect anyone at any age, it may be a good idea to get critical illness insurance for the safety it provides. For an additional fee, your client does not have to pay their premium after 26 weeks if the insured person is unable to work due to illness or injury. If you cancel your policy within the first 30 days, we will refund all premiums paid.
No refunds will be made after 30 days. We need a power of attorney from each insured. If you`re looking for life insurance that doesn`t diminish over time to protect your family or an interest-free mortgage, take a look at our life insurance, where the amount of coverage stays the same throughout the life of the policy. The list of diseases we cover includes many types of cancer, heart attack and stroke. However, some cancers are not included and you must have permanent symptoms to make a claim for certain diseases. If you were unable to work due to a serious illness, would you be able to cope with the financial consequences? With a sum of money, you can keep control of the funds and decide what to spend the money on. For example, you become a new parent or decide to move to a larger house. These types of events usually mean you need more protection. The good news is that we allow you to increase your coverage without the need for additional medical information about the occurrence of certain life events, making the process as easy and stress-free as possible.
Terms and conditions apply. Health and lifestyle factors are also important, including your weight and family history. The same goes for your job, as some professions are considered riskier and therefore result in higher premiums, as well as dangerous hobbies such as extreme sports. What information do you need? To let us know that you want to make a claim, you must tell us the following: Critical illness insurance can help minimize the financial impact on you and your family if you become seriously ill. This is an option that can be added at an additional cost if you purchase life insurance or reduce your life insurance. If you`ve lost a loved one and can`t find their life insurance policy, check out our helpful guide to what to do. Families can receive an advance payment of up to £10,000 on a valid life insurance claim to cover funeral expenses, with payment made directly to the funeral director. Terms and conditions apply. Learn more about how life insurance payments work with our step-by-step guide. Below is a complete list of serious illnesses covered. You can also use the same phone number to submit a claim under critical illness coverage for children or additional coverage for the definitions of “in situ breast carcinoma” or “low-grade prostate cancer.” Our critical illness insurance can be added for an additional fee if you purchase life insurance or sliding scale life insurance.
Please read the Critical Illness Insurance Guide (PDF: 149 KB), the Policy Summary PDF: 1.61 MB and the policy brochure PDF: 184 KB before applying. Incurable and critical diseases refer to serious diseases. However, the difference is that a serious illness refers to a specific serious injury, illness, or medical episode, while a terminal diagnosis means that your hospital doctor expects the illness to result in death within the next 12 months. If the illness is expected to result in death within 12 months, incurable health insurance is automatically included for all policies with a term of two years or more. A serious illness can affect anyone, regardless of age, and change lives. In the event of incapacity for work due to a serious illness, a contingency plan can alleviate the financial stress of the situation. Some people can use their savings to make up for their loss of income, others can count on a package of benefits, while others may find critical illness insurance to be their best option.
