Protect what means
most to you
Choose different options as you go through life and your priorities change
Life Insurance
Cash lump sum to your family or to someone else you've nominated
Serious Illness
Cash lump sum if you are diagnosed with one of the 166 covered conditions
Vitality Programme
A healthy living rewards programme with access to discounts and helps you get healthier
-What's covered
- Cover as soon as you apply
- 3 options for your life cover to choose from
- 1. Level Life Insurance
Your cover amount stays the same over the life of your plan. It will only change if something happens, such as you make a claim or change your cover. - 2. Indexed Life Insurance
Your cover amount is designed to keep up with inflation. This protects against the rises in costs of living, making sure you always have the cover you need now and in the future. If you choose indexed cover, your cover will increase annually on each plan anniversary, in line with the Retail Prices Index (RPI) rounded to the next 0.25%. Each increase is limited to a minimum of 0% and a maximum of 10%.
- 3. Decreasing Life Insurance
Your cover will decrease over the life of your plan. This is designed specifically for those looking to cover the reducing amount you owe on a mortgage. The amount you're covered for goes down each year, but the premium stays the same. - Serious Illness
- Less severe conditions are covered, so you get the help you need, when you need it
- You could claim more than once
- Heart attacks, strokes and some early stage cancers are covered
+Add-ons
- Indexation Option
This increases the value of your cover each year, so that it matches the rising costs of living) - Minimum Protected Account
- Top up your Serious Illness cover
After you have claimed on a proportion of it. You don't need to be assessed again. - Guaranteed Insurability Option
This guarantees that you can increase your cover if your life changes in specific ways, without giving more information about your health. - Waiver of Premiums
This waives your premiums in certain circumstances for instance, if you become ill or injured and can no longer go to work.
- Serious Illness Cover Booster
Gives you even more help to cope with the long-term effects of some serious illnesses - Protected Life Cover
Ensures the value of your cover stays the same, even if you claim on your Serious Illness policy.
-Covered Conditions
All of the categories below have specified conditions of defined severity.
The figures below relate to the overall percentage of your cover level.
100% 
75% 
50% 
25% 
15% 
10% 
5%
Cancer
- Advanced aplastic anaemia
- Advanced chronic lymphocytic leukaemia
- Advanced Hodgkin's disease
- Advanced non-Hodgkin's lymphoma
- Cancer - of specified severity
- Carcinoma in-situ of the oesophagus - requiring surgery
- Low-grade prostate cancer
- Marrow aplasia
- Mastectomy for carcinoma in-situ of the breast
- Multiple myeloma
- Myelodysplasia
Connective tissue disease
- Giant cell arteritis
- Polyarteritis nodosa
- Polymyositis
- Rheumatoid arthritis
- Systematic lupus erythematosis
- Systematic sclerosis (scleroderma)
- Wegener's granulomatosis
Ears
- Deafness - permanent and irreversible
- Significant hearing loss in both ears
Eye
- Blindness - permanent and irreversible
- Central blindness
- Severe visual impairment
- Significant visual impairment
Gastrointestinal
- Chronic pancreatitis
- Fulminant hepatic necrosis
- Permanent faecal incontinence
- Sclerosing cholangitis
- Severe cirrhosis of the liver
- Severe gastrointestinal disease - requiring hospitalisation
- Severe inflammatory Crohn's disease
- Total colectomy
Heart and Artery
- Any other cardiac condition resulting in a reduced ejection fraction
- Aorta graft surgery
- By-pass graft surgery to 3 or more coronary arteries
- Cardiomyopathy resulting in a reduced ejectoin fraction
- Congestive heart failure
- Coronary artery by-pass grafts - with surgery to divide the brestbone
- Endovascular repair of an aortic aneurysm
- Heart attack
- Heart valve replacement or repair
- Hypertrophic cardiomyopathy - of specified severity
- Severe peripheral vascular disease
- Severe vascular disease affecting multiple systems
- Surgical repair of a structural lesion of the heart
HIV
- Accidental HIV infection - caught in the UK from a blood transfusion, a physical assault or at work in an eligible occupation
Major organ transplant
- Major organ transplant
Musculoskeletal trauma
- Less extensive third degree burns - covering 15% of the body's surface
- Less extensive third degree burns - covering 10% of the body's surface
- Loss of a single hand or foot
- Loss of a single limb
- Loss of hands or feet - permanent physical severance
- Loss of use of a whole hand
- Surgical re-attachment of an amputated limb
- Third degree burns - covering 20% of the body's surface area
Stroke and Nervous system
- Alzheimer's disease - resulting in permanent symptoms
- Benign brain tumour - resulting in permanent symptoms
- Bilateral hemianopia
- Coma - resulting in permanent symptons
- Craniotomy
- Craniotomy to treat a cerebral arteriovenous malformation
- Creutzfeldt-jakob disease - resulting in permanent symptoms
- Dementia - resulting in permanent symptoms
- Drainage of brain abscess by crainiotomy
- Encephalitis - resulting in permanent symptoms
- Functional surgery for movement disorders
- Guillain-Barre syndrome
- Loss of manual dexterity
- Loss of muscle power resulting in the inability to grip
- Loss of speech - permanent and irreversible
- Motor neurone disease - resulting in permanent symptoms
- Multiple sclerosis - resulting in current symptoms
- Muscular dystrophy
- Neurological diseases
- Paralysis of limbs - total and irreversible
- Parkinson's disease - resulting in permanent symptoms
- Persistent vegetative state
- Progressive supra-nuclear palsy - resulting in permanent symptoms
- Shunt insertion for hydrocephalus
- Spinal tumour
- Stroke
- Surgery for drug resistant epilepsy
- Traumatic head injury - resulting in permanent symptoms
Permanent Disability
- Cauda equina
- Total permanent disability - own occupation
- Total permanent disability - permanent failure of functional activity
- Persistent confusional state
- Total lack of social interaction
Respiratory
- Chronic obstructive pulmonary disease
- Cor pulmonale
- Fibrotic lung disease
- Home oxygen therapy
- Primary pulmony hypertension
- Removal of one lobe of the lungs
- Removal of two or more lobes of the lungs
Urogenital and Kidney
- Acute renal dialysis
- Chronic renal impairment
- Cystectomy
- Kidney failure - requiring dialysis
- Nephrectomy
- Partial cystectomy
- Severe chronic renal impairment
Additional conditions only covered by our Comprehensive Cover
Cancer
- Carcinoma in-situ
- Lumpectomy for ductal carcinoma in-situ of the breast
- Myelodysplasia
- Non-melanoma skin cancer - squamous cell and basal cell carcinomas of specified severity
Connective tissue disease
- Giant cell arteritis
- Pemphigus vulgaris
- Polyarteritis nodosa
- Polymyositis
- Rheumatoid arthritis
- Systematic lupus erythematosis
- Systematic sclerosis (scleroderma)
- Wegener's granulomatosis
Eye
- Blindness in one eye
- Surgical removal of one eye
- Surgical repair of a detached retina
- Tunnel vision
Ear
- Radical mastoid surgery
Endocrine and metabolic diseases
- Acromegaly
- Addison's disease
- Adrenalectomy
- Conn's syndrome
- Cushing's syndrome
- Diabetes insipidus
- Insulin dependent diabetes mellitus (Type 1)
- Insulinoma
- Pheochromocytoma
- Radiotherapy to the pituitary gland
- Sheehan's syndrome
- Simmond's disease
- Surgical removal of the pituitary gland
- Thryrotoxic crisis
Gastrointestinal
- Chronic inflammatory hepatitis
- Cirrhosis of the liver
- Loss of use of more than one third of the tongue
- Moderately severe inflammatory Crohn's disease
- Partial hepatectomy
- Permanent rectal fistula
- Portal vein thrombosis
- Surgical repair of a tracheal-oesophageal fistula
Musculoskeletal trauma
- Amputation of two or more fingers or thumbs
- Le Fort III reconstruction
- Less extensive third degree burns - covering 5% of the body's surface
Heart and Artery
- Angioplasty (coronary) or PTCA (percutaneous transluminal coronary angioplasty)
- Angioplasty to correct carotid artery stenosis
- Balloon valvuloplasty
- Cardioversion for cardiac arrhythmia
- Emergency intravenous anti-arrhythmic therapy for ventricular tachycardia or fibrillation
- Femoral artery aneurysm repair
- Iliac artery aneurysm repair
- Infective endocarditis
- Keyhole coronary artery bypass surgery
- Pericardectomy
- Permanent defibrillator insertion
- Permanent pacemaker insertion
- Surgery for cardiac arrhythmia
- Surgery to correct carotid artery stenosis
- Surgical repair of an atrial or ventricular septal defect
Respiratory
- Fibrotic lung disease
- Mechanical ventilatory support for near drowning
- Pleurectomy
- Pulmonary embolus
- Surgical drainage of a lung abscess
- Surgical drainage of empyema
Stroke and Nervous system
- Alzheimer's disease
- Bacterial meningitis
- Benign brain tumour
- Coma
- Creutzfeldt-Jakob disease
- Dementia
- Encephalitis
- Endovascular treatment of a cerebral arteriovenous malformation
- Motor neurone disease
- Multiple sclerosis
- Parkinson's disease
- Progressive supra-nuclear palsy
- Stereotactic brain surgery
- Surgical repair of depressed skull fracture
- Traumatic head injury
Urogenital and Kidney
- Bilateral orchidectomy
- Bladder fistula
- Partial nephrectomy
- Surgical repair of a kidney
Vitality Programme
Vitality is a healthy living rewards programme that gives you access to partners and discounts that help you get healthier.
It works in three easy steps
Find out moreExisting customer?
Make a claimThe above benefits are based on our top performing Life Provider. We do have other Life Providers available and your advisor can recommend which option is best suited to your needs.