The Guaranteed Cover plan will offer cover for the following major health conditions:

• Bacterial meningitis

• Cancer (excluding less advanced cases)

• Coronary artery by-pass grafts

• Heart Attack

• Kidney failure

• Major organ transplant

• Multiple sclerosis

• Stroke

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HOW DOES IT WORK?

So whats the catch? Quite simply, pre-existing conditions are not covered unless you have been symptom free for 10 years prior to your policy starting. In other words, you're covered for anything else.

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WHO CAN APPLY & FAQ's

• You permanently reside in the United Kingdom, including Northern Ireland

• You are aged between 18 and 50 at the start date of the plan

 

CAN MY PARTNER BE COVERED?

Yes, assuming your partner is eligible for the plan, they can also be included. 

 

WHAT ARE THE KEY EXCLUSIONS?

• Pre-existing conditions

• AIDS, HIV or ARC

• Alcohol or drug abuse

• Self inflicted injury

• Acts of negligence and criminal acts 

 

PEACE OF MIND ON YOUR PREMIUMS

When you take out the plan, you’ll have the reassurance that your premium won’t change for the first 5 years. After this period, we’ll write to you to let you know your new premium, which will be fixed for another 5-year term.

 

At the first 5-year renewal date following your 56th birthday, your life insurance benefit (and critical illness benefit if chosen) will be reduced by 50% and your premium will be recalculated.

 

Your life cover will end at the first 5-year renewal date following your 68th birthday. If you have chosen critical illness benefit, this will end at the first 5-year renewal date following your 61st birthday.

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SIMPLE AND TRANSPARENT MONTHLY PREMIUMS

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Life Cover Only                                     £50,000                       £75.000                      £100,000

Non-Smoker                                           £13.51                         £19.12                        £24.73

Smoker                                                    £29.63                         £43.29                        £56.96

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Life Cover Plus Critical Illness Cover £50,000 + £25,000     £75,000 + £37,500     £100,000 + £50,000

Non-Smoker                                            £31.50                         £46.11                        £60.71      

Smoker                                                     £61.75                         £91.48                        £121.21

*Prices are indicative and correct on date of publication, please request a tailored quote to confirm price and eligibility

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For full policy details and a tailored quote, simply complete the short form below

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