Friends Life Critical Illness Cover Information

Types of Cover

Friends Life offers four cover options:

• Level Term Cover »

Level term cover meaning a fixed lump sum cover for a set period of time from five to 40 years which you select at outset, at the end of which your cover will cease. With this option you can select guaranteed premiums or alternatively your premiums will be reviewed every five years. When we review your premiums they could increase or decrease depending on whether the assumptions we have made about inflation, claims costs, expenses, investment income, tax rates and levies in setting your premiums were correct. If these factors turn out better than we assumed, we will decrease premiums. If they turn out worse we will increase them.

• Mortgage Protection Term Cover »

Mortgage protection term cover, which operates in the same way as term cover. This option differs from level term cover in the way the benefit is paid. The level of the cover reduces each month on the same basis as the capital due on a repayment mortgage reduces with an interest rate of 10 percent per annum. With this option you can select guaranteed premiums or alternatively your premiums can be reviewed every five years.

• Renewable Term Cover »

Renewable term cover is a fixed lump sum cover which is subject to renewal every five or 10 years (depending on which renewal option you choose). Your premiums will increase or decrease at each renewal without the need for further medical evidence based on the age of the person covered and our premium rates at that time. We may also change the other terms and conditions at renewal and can terminate the scheme at that time if we no longer offer this type of scheme. Your cover cannot continue after the 70th birthday of the person covered.

• Family Income Benefit Cover »

Family income benefit cover operates in the same way as level term. This option differs from the others in the way it pays the benefit. The benefit under this type of cover is not a lump sum payment but instead, the benefit is paid in annual installments for each year remaining in the term of the scheme, after a claim is accepted. With this option you can only select guaranteed premiums.

• Income Protection »

Replacement income if you cannot work as a result of illness, accident. With a choice of waiting periods before you claim. This policy offers a replacement income for the rest of your working life should the unexpected result in you being unable to work.

Friends Life Application Forms

• Friends Life Application Form (For all Cover Types)
• Alternatively we can complete your application over the phone this normally takes 15 minutes call 0800 0226571

Friends Life Critical Illness Information

• Key Features - Income Protection
• Key Features - Life Cover - Critical Illness
• Full Guide - Life Cover - Critical Illness
• Bupa Health Line Service
• Friends Life Fracture Cover
• Friends Life Therapy Benefit

If you would like us to post you an application form or any other information complete our application request form.

Friends Life Critical Illness Quick Guide

Critical conditions covered = 46

ABI+ Definitions = 11

Critical illness exclusions = 0

Children's cover included for free

 

Additional Options

Fracture cover - Reinstatement cover - Total Permanent Disability - Wavier of premium available

Additional Services

Friends Life HealthLine
A confidential health information and support service staffed by a dedicated team of specialist nurses 24 hours a day, 365 days a year. It offers support, guidance and reassurance to assist you in your decision making and to help you in finding your way through healthcare options.

Best Doctors
People who make claims under their Friends Life Critical Illness cover will also have access to Best Doctors™ which is an independent service that can locate and contact specialists qualified to treat the condition for which the claim has been made.