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Two Covers
in One

When we asked advisers what would make life even better, they said: “Combine your life and critical illness covers in a single product for mortgage protection.” So here it is.

Life and Critical Illness
Protection all-in-one

As you’d expect, with our new Combined Life and Critical Illness Protection exceptional cover comes as standard. You can choose level or increasing, or decreasing with a built-in mortgage guarantee. The ideal match for any mortgage conversation.

Add Extra Cover for
the perfect finish

Mix and match Combined Life and Critical Illness Protection alongside our stand-alone covers, and optional Children’s Critical Illness Protection, to create a policy that protects your client’s mortgage and their family too. And it can all be done in one single, quick and easy application.

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Combined life and critical illness protection is sometimes known as accelerated critical illness cover or life or earlier critical illness cover. It covers the policyholder for life and critical illness, and pays out once for whichever event happens first. After a claim is paid, the policy ends.

Key Benefits

Cover Upgrade Promise

Cover Upgrade Promise

When we can give critical illness definition improvements for free, we’ll check a claim against the definitions your client bought and our new customer definitions.
We’ll pay out under either.

Crystal Clear Definitions

Crystal clear definitions

For the most claimed for conditions, confirmation from a UK Consultant is all we need.

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Dual Life


Gives both partners individual cover, so if one partner claims,the other is still protected.And because they applytogether, we give thema multi-life discount.

Claims Support


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An extraordinary claims service, because there's no such thing as an ordinary claim.

Additional Benefits

All policyholders get free additional benefits, without the need to claim.