This can pay a cash lump sum if during the period of cover the person insured:

• Dies; or
• Is diagnosed with a Terminal Illness where the expectation of life is confirmed to be less than 12 months.

This can pay a cash lump sum if during the period of cover the person insured:

• Is diagnosed with a critical illness that meets our Plan definitions and survives for at least 14 days following the diagnosis.

We only cover the critical illnesses we define in our Plan Terms and Conditions and no others.

Children’s Critical Illness cover is automatically included.

This can pay a cash lump sum if during the period of cover the person insured:

• Dies; or
• Is diagnosed with a Terminal illness where the expectation of life is confirmed to be less than 12 months; or
• Is diagnosed with a Critical Illness that meets our Plan definitions and survives for at least 14 days following the diagnosis.

We only cover the critical illnesses we define in our Plan Terms and Conditions and no others.

Only one lump sum is payable, on the first occurrence of one of these events.

Children’s Critical Illness cover is automatically included.

This can pay a monthly income during the period of cover for the selected maximum claim Payment Period, if the person insured:

• Is diagnosed as being incapacitated (e.g. unable to work due to a sickness or accident) for a continuous period longer than the deferred period selected in the Plan.

The following types of cover are available:

• Waiver of Premium benefit – in the event of a claim, your Plan premiums will be paid; and
• A specified amount of cover – an amount of cover you select.

If selected, this valuable option gives the Plan holder the right to increase the level of cover provided in the Plan without any further medical underwriting – irrespective of any changes in their health.

This option can be exercised on the following events:

• If the insured increases their mortgage; or
• If they get married or enter into a Civil Partnership; or
• On the birth or adoption of a child.

All other alterations are subject to our normal underwriting criteria at that time.