Terminal Illness Cover is included on our policies at no extra cost (minimum term of two years).

It could pay out your chosen amount of cover if you're diagnosed with a terminal illness and have a life expectancy of 12 months or less, rather than on death. 

Critical Illness Cover is available when you buy your life insurance at an additional cost.

It's designed to pay out your chosen amount of cover if you're diagnosed with one of our specified critical illnesses during the length of your policy.