Help lighten the load of critical illness

Take out a life insurance policy and receive a £75 gift card*
  • Provided by Legal & General, Critical Illness cover can be added when taking out Life Insurance or Decreasing Life Insurance for an extra cost
  • Critical Illness Cover could help minimise the financial impact on you and your family if you become critically ill while covered by the policy
  • It could pay out a handy cash sum to help with childcare costs, household bills, or help you carry on doing the things you love if you're forced to take time off work to recover

What’s included?

  • You'll be covered if you're diagnosed with or undergo a medical procedure for one of the critical illnesses Legal & General cover before your policy ends, and you survive for 14 days from diagnosis.
  • Legal & General will pay out your amount of cover in full and, after this, your policy will end
  • The list of illnesses Legal & General will cover includes many types of cancer, heart attack and stroke. See the full list here
  • Children’s Critical Illness Cover is automatically included. Terms & Conditions apply
  • You may be able to increase the amount of cover without answering further medical questions. Terms and conditions apply
  • Additional Cover
    Legal & General also provide additional cover for the following:

    Carcinoma in situ of the breast – treated by surgery.
    Low grade prostate cancer – requiring treatment.

    Claims paid under additional cover will not reduce your amount of cover or change your premiums. Legal & General pay out once for each 'Additional Cover'. Terms and conditions apply.

What's not included?

  • If you die, then the cover will end for a single life policy. If you have a joint policy, when the first person dies and makes a valid claim the Critical Illness Cover policy can continue for the other person
  • If you stop paying your premiums, your cover will end 30 days after the first missed premium
  • If you're diagnosed with or undergo a medical procedure for a critical illness that doesn't meet Legal & General's definition
  • If death occurs within 14 days of diagnosis of one of the critical illnesses Legal & General cover
  • If some elements of cover are restricted based on the information you give Legal & General, they'll tell you what is excluded in your policy booklet under 'What you are not covered for'
The (not so) small print

Life Insurance and Critical Illness Cover are provided by Legal & General Assurance Society Limited, and are introduced by PMGI Limited trading as Police Mutual. For more details, please see our legal page.

Some types of cancer are not included and to make a claim for some illnesses, you need to have permanent symptoms.

This is not a savings or investment product and has no cash value unless a valid claim is made.

* Terms and conditions apply. Please note the voucher would be redeemable after 6 months' premiums have been paid.

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