Know more about your policy before you buy…
Our Fixed Term Life Cover with Critical Illness and Mortgage Life Cover with Critical Illness Policy Documents give details of how the Critical Illness Benefit works in conjunction with each of our Life Insurance policies. They include the purpose of the cover, who benefits from cover, a list of conditions that the policy covers, details of the terminal illness benefit and how to make a claim. The Life with Critical Illness Policy Conditions Document is an essential reference for all conditions and standard exclusions that apply.
Please be aware that as we have not provided any advice customers are responsible for deciding whether any policy applied for meets their needs.
When cover is confirmed we will send you a personalised Insurance Schedule to accompany these documents.
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Genetic Testing
In accordance with the Association of British Insurers’ policy on genetics and insurance, you do not need to tell us about any genetic test result you have had if this application for insurance, taken together with any other insurance policies you already have for this type of insurance, totals to:
- £500,000 or less for life insurance
- £300,000 or less for critical illness, income protection or long-term care insurance
Above these limits, you may need to tell us about certain genetic test results when applying for insurance. We will only be interested in genetic test results where the Government’s Genetics and Insurance Committee (GAIC) has approved them for insurers to use.
To check if this applies to you, please visit the Association of British Insurers' website for details of the current position. However, you must tell us if you either have a family history of, are experiencing symptoms of, or are having treatment for, a medical condition including any genetically inherited condition.
If you wish to disclose to us a negative genetic test result, which shows that you have not inherited a genetic disorder, we will take this into account in setting your premium, providing your clinical geneticist confirms that the test result indicates a reduced risk of developing the inherited disease.
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