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Critical Illness Cover

Designed to pay a cash lump sum or monthly income on diagnosis of one of a range of our specified critical illnesses, during the policy term.

Key benefits

  • 41 full Critical Illness conditions and 8 additional conditions covered
  • Children's Critical Illness Cover and Children’s Life Cover included at no extra cost
  • Scottish Widows Care
  • Monthly Family Income Benefit option available on level and increasing cover

 

Product information

 

Basis of cover

Level - available as a lump sum or monthly family income benefit.
Increasing - available as a lump sum or monthly family income benefit. The sum assured will increase each year in line with the Retail Price Index (RPI). The increases will be at least 2% up to a maximum of 10%.
Decreasing - available as a lump sum. Your client can select an interest rate between 0% and 18%.

Minimum Term

5 years

Minimum age when cover starts 18
Maximum age when cover starts 64
Maximum age when cover finishes 70 next birthday
Minimum Sum Assured £25,000
Maximum Sum Assured

£3,000,000

Minimum Family Income Benefit £5,000 per year
Maximum Family Income Benefit

£150,000 per year

Premiums Guaranteed
Total Permanent Disability There are restrictions to the maximum amount we will pay out in respect of a Total Permanent Disability claim. Please see our Key Features for full details.
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Scottish Widows Limited. Registered in England and Wales No. 3196171. Registered office in the United Kingdom at 25 Gresham Street, London EC2V 7HN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 181655.

Scottish Widows Unit Trust Managers Limited. Registered in England and Wales No. 1629925. Registered Office in the United Kingdom at Charlton Place, Andover, Hampshire SP10 1RE. Tel: 0345 300 2244. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 122129.

HBOS Investment Fund Managers Limited, registered in England number 941082. Registered office in the United Kingdom at Trinity Road, Halifax, West Yorkshire HX1 2RG. Authorised and regulated by the Financial Conduct Authority. Financial Services Register number 119223.

Scottish Widows Bank is a trading name of Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales, no. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.

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