Life Insurance & Serious Illness Cover

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most to you

Choose different options as you go through life and your priorities change

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Life Insurance

Cash lump sum to your family or to someone else you've nominated

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Serious Illness

Cash lump sum if you are diagnosed with one of the 166 covered conditions

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Vitality Programme

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Single or joint cover (children automatically covered)

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-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% 100% 75% 75% 50%50% 25% 25% 15% 15% 10% 10% 5%5%

    Cancer

  • Advanced aplastic anaemia 100%
  • Advanced chronic lymphocytic leukaemia 100%
  • Advanced Hodgkin's disease 100% 50%
  • Advanced non-Hodgkin's lymphoma 100% 50%
  • Cancer - of specified severity 100% 50% 25%
  • Carcinoma in-situ of the oesophagus - requiring surgery 25%
  • Low-grade prostate cancer 25%
  • Marrow aplasia 25%
  • Mastectomy for carcinoma in-situ of the breast 25%
  • Multiple myeloma 50%
  • Myelodysplasia 50%

    Connective tissue disease

  • Giant cell arteritis 100% 75% 50% 25%
  • Polyarteritis nodosa 100% 75% 50% 25%
  • Polymyositis 100% 75% 50% 25%
  • Rheumatoid arthritis 100% 75% 50% 25%
  • Systematic lupus erythematosis 100% 75% 50% 25%
  • Systematic sclerosis (scleroderma) 100% 75% 50% 25%
  • Wegener's granulomatosis 100% 75% 50% 25%

    Ears

  • Deafness - permanent and irreversible 100%
  • Significant hearing loss in both ears 50%

    Eye

  • Blindness - permanent and irreversible 100%
  • Central blindness 25%
  • Severe visual impairment 100%
  • Significant visual impairment 50%

    Gastrointestinal

  • Chronic pancreatitis 25%
  • Fulminant hepatic necrosis 100%
  • Permanent faecal incontinence 100%
  • Sclerosing cholangitis 50%
  • Severe cirrhosis of the liver 100%
  • Severe gastrointestinal disease - requiring hospitalisation 25%
  • Severe inflammatory Crohn's disease 50%
  • Total colectomy 25%

    Heart and Artery

  • Any other cardiac condition resulting in a reduced ejection fraction 100% 75%
  • Aorta graft surgery 75%
  • By-pass graft surgery to 3 or more coronary arteries 75%
  • Cardiomyopathy resulting in a reduced ejectoin fraction 100% 75%
  • Congestive heart failure 100%
  • Coronary artery by-pass grafts - with surgery to divide the brestbone 50%
  • Endovascular repair of an aortic aneurysm 25%
  • Heart attack 100% 75% 50% 25%
  • Heart valve replacement or repair 25%
  • Hypertrophic cardiomyopathy - of specified severity 100% 75%
  • Severe peripheral vascular disease 100%
  • Severe vascular disease affecting multiple systems 100%
  • Surgical repair of a structural lesion of the heart 25%

    HIV

  • Accidental HIV infection - caught in the UK from a blood transfusion, a physical assault or at work in an eligible occupation 100%

    Major organ transplant

  • Major organ transplant 100%

    Musculoskeletal trauma

  • Less extensive third degree burns - covering 15% of the body's surface 75%
  • Less extensive third degree burns - covering 10% of the body's surface 50%
  • Loss of a single hand or foot 50%
  • Loss of a single limb 75%
  • Loss of hands or feet - permanent physical severance 100%
  • Loss of use of a whole hand 50%
  • Surgical re-attachment of an amputated limb 25%
  • Third degree burns - covering 20% of the body's surface area 100%

    Stroke and Nervous system

  • Alzheimer's disease - resulting in permanent symptoms 100% 75% 50% 25%
  • Benign brain tumour - resulting in permanent symptoms 100% 75% 50% 25%
  • Bilateral hemianopia 75%
  • Coma - resulting in permanent symptons 100% 75% 50% 25%
  • Craniotomy 25%
  • Craniotomy to treat a cerebral arteriovenous malformation 25%
  • Creutzfeldt-jakob disease - resulting in permanent symptoms 100% 75% 50% 25%
  • Dementia - resulting in permanent symptoms 100% 75% 50% 25%
  • Drainage of brain abscess by crainiotomy 25%
  • Encephalitis - resulting in permanent symptoms 100% 75% 50% 25%
  • Functional surgery for movement disorders 25%
  • Guillain-Barre syndrome 75%
  • Loss of manual dexterity 100%
  • Loss of muscle power resulting in the inability to grip 100%
  • Loss of speech - permanent and irreversible 100%
  • Motor neurone disease - resulting in permanent symptoms 100% 75% 50% 25%
  • Multiple sclerosis - resulting in current symptoms 100% 75% 50% 25%
  • Muscular dystrophy 100% 75% 50% 25%
  • Neurological diseases 100% 75% 50%
  • Paralysis of limbs - total and irreversible 100%
  • Parkinson's disease - resulting in permanent symptoms 100% 75% 50% 25%
  • Persistent vegetative state 100%
  • Progressive supra-nuclear palsy - resulting in permanent symptoms 100% 75% 50% 25%
  • Shunt insertion for hydrocephalus 25%
  • Spinal tumour 25%
  • Stroke 100% 75% 50% 25%
  • Surgery for drug resistant epilepsy 50%
  • Traumatic head injury - resulting in permanent symptoms 100% 75% 50% 25%

    Permanent Disability

  • Cauda equina 100%
  • Total permanent disability - own occupation 100% 50%
  • Total permanent disability - permanent failure of functional activity 100% 50%
  • Persistent confusional state 100%
  • Total lack of social interaction 100%

    Respiratory

  • Chronic obstructive pulmonary disease 50% 25%
  • Cor pulmonale 100%
  • Fibrotic lung disease 100% 50% 25%
  • Home oxygen therapy 50%
  • Primary pulmony hypertension 100%
  • Removal of one lobe of the lungs 25%
  • Removal of two or more lobes of the lungs 50%

    Urogenital and Kidney

  • Acute renal dialysis 25%
  • Chronic renal impairment 50%
  • Cystectomy 50%
  • Kidney failure - requiring dialysis 100%
  • Nephrectomy 25%
  • Partial cystectomy 25%
  • Severe chronic renal impairment 75%



Additional conditions only covered by our Comprehensive Cover

    Cancer

  • Carcinoma in-situ 5%
  • Lumpectomy for ductal carcinoma in-situ of the breast 10%
  • Myelodysplasia 15 5%
  • Non-melanoma skin cancer - squamous cell and basal cell carcinomas of specified severity 5%

    Connective tissue disease

  • Giant cell arteritis 10%
  • Pemphigus vulgaris 10%
  • Polyarteritis nodosa 10%
  • Polymyositis 10%
  • Rheumatoid arthritis 10%
  • Systematic lupus erythematosis 10%
  • Systematic sclerosis (scleroderma) 10%
  • Wegener's granulomatosis 10%

    Eye

  • Blindness in one eye 10%
  • Surgical removal of one eye 10%
  • Surgical repair of a detached retina 10%
  • Tunnel vision 10%

    Ear

  • Radical mastoid surgery 10%

    Endocrine and metabolic diseases

  • Acromegaly 10%
  • Addison's disease 10%
  • Adrenalectomy 10%
  • Conn's syndrome 10%
  • Cushing's syndrome 10%
  • Diabetes insipidus 15%
  • Insulin dependent diabetes mellitus (Type 1) 15%
  • Insulinoma 10%
  • Pheochromocytoma 10%
  • Radiotherapy to the pituitary gland 10%
  • Sheehan's syndrome 15%
  • Simmond's disease 10%
  • Surgical removal of the pituitary gland 10%
  • Thryrotoxic crisis 15%

    Gastrointestinal

  • Chronic inflammatory hepatitis 15%
  • Cirrhosis of the liver 15%
  • Loss of use of more than one third of the tongue 15%
  • Moderately severe inflammatory Crohn's disease 10%
  • Partial hepatectomy 15%
  • Permanent rectal fistula 10%
  • Portal vein thrombosis 15%
  • Surgical repair of a tracheal-oesophageal fistula 10%

    Musculoskeletal trauma

  • Amputation of two or more fingers or thumbs 10%
  • Le Fort III reconstruction 15%
  • Less extensive third degree burns - covering 5% of the body's surface 15%

    Heart and Artery

  • Angioplasty (coronary) or PTCA (percutaneous transluminal coronary angioplasty) 10%
  • Angioplasty to correct carotid artery stenosis 10%
  • Balloon valvuloplasty 15%
  • Cardioversion for cardiac arrhythmia 10%
  • Emergency intravenous anti-arrhythmic therapy for ventricular tachycardia or fibrillation 10%
  • Femoral artery aneurysm repair 15%
  • Iliac artery aneurysm repair 15%
  • Infective endocarditis 10%
  • Keyhole coronary artery bypass surgery 10%
  • Pericardectomy 15%
  • Permanent defibrillator insertion 10%
  • Permanent pacemaker insertion 10%
  • Surgery for cardiac arrhythmia 10%
  • Surgery to correct carotid artery stenosis 15%
  • Surgical repair of an atrial or ventricular septal defect 10%

    Respiratory

  • Fibrotic lung disease 10%
  • Mechanical ventilatory support for near drowning 10%
  • Pleurectomy 15%
  • Pulmonary embolus 15%
  • Surgical drainage of a lung abscess 15%
  • Surgical drainage of empyema 15%

    Stroke and Nervous system

  • Alzheimer's disease 10%
  • Bacterial meningitis 10%
  • Benign brain tumour 10%
  • Coma 10%
  • Creutzfeldt-Jakob disease 10%
  • Dementia 10%
  • Encephalitis 10%
  • Endovascular treatment of a cerebral arteriovenous malformation 15%
  • Motor neurone disease 10%
  • Multiple sclerosis 10%
  • Parkinson's disease 10%
  • Progressive supra-nuclear palsy 10%
  • Stereotactic brain surgery 10%
  • Surgical repair of depressed skull fracture 15%
  • Traumatic head injury 25%

    Urogenital and Kidney

  • Bilateral orchidectomy 15%
  • Bladder fistula 10%
  • Partial nephrectomy 15%
  • Surgical repair of a kidney 15%
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Vitality Programme

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The 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.


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