Provides a lump sum if you die or if you are diagnosed with a specified critical illness meeting the
definitions, during the term of the plan
It's a difficult subject, but what would happen if you were diagnosed with a critical illness? Or if you were to die, what would happen to the people you love the most?
With the Personal Protection Plan, provided by Royal London and brought to you in association with Santander, depending on which option you choose, you'll receive life and/or critical illness insurance to give your loved ones some financial security if the worst happens.
- Choose the length of plan and a level of cover that suits you from life cover and/or critical illness cover.
- Critical illness cover covers a wide range of critical illnesses, including heart attack, stroke and some forms of cancer. There are exclusions, limitations and restrictions to the cover, including some less advanced types of cancer. Please see the Standard Provisions and Policy Summary documents for more details.
- Receive a payout if you’re diagnosed with a ‘Total Permanent Disability’ defined under the plan which results in you being unable to work.
- Terminal illness cover pays out a lump sum if you’re diagnosed as being terminally ill as defined under the policy.
- Additional benefits – when you take out critical illness cover, this will include life cover to the same value as the critical illness cover. You will also receive children’s critical illness cover for up to £20,000 per child (or 50% of the sum assured if it’s less). However, only certain illnesses are covered under the children’s critical illness benefit.
- Rate guarantee – the cost of your life or critical illness insurance will never increase during the term of your plan unless you increase your cover.
- Peace of mind – for an additional amount you can choose the ‘Waiver of Premium’ benefit which means your premiums are paid if you can’t work because of illness or injury, in accordance with the policy definition, for longer than six months.
- Options - for an additional amount you can increase your cover before the age of 55, in certain circumstances, including moving house, marriage and childbirth, without having to provide additional medical evidence with our Guaranteed Insurability Options.
Call for a quote today on 0500 11 77 11
Call us on 0808 100 3692† quoting INVR to make an appointment with a Financial Advisor in your local branch.
Important Information
- You must be aged 18 or more and younger than 65 at the start of the plan and younger than 70 when the plan ends.
- For waiver of premium, you have to be aged 54 or less at the start of the plan.
- Exclusions, restrictions and limitations apply – please see the Standard Provisions and Policy Summary documents for full details.
- If you stop paying premiums, your plan will end 28 days after the last premium you paid.
- Your plan will have no surrender or cash-in value at any time.
- The plan may not pay out if you do not disclose any requested information and pre-existing conditions before the start of the plan.
- When a life or critical illness claim has been paid out your plan will end and your cover will stop.
- The minimum term is five years and maximum term is 35 years.