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Critical Illness Cover

It’s difficult to comprehend that a critical illness could happen to us, especially when we feel healthy. However, how would you manage if you became critically ill and were unable to work for a long period of time? Critical illnesses can affect anyone at any time and the average age at which Legal & General customers claim critical illness cover is in fact 45 years old, making it an essential insurance product for those with dependent families.

Here at Skipton, we don’t want you to worry about the possibility of falling ill and not being able to keep up with your finances. This is why we have partnered with Legal & General to provide you with critical illness cover for the purpose of protecting you and your loved ones in the event of a critical illness. It is an optional add-on to Legal & General's life insurance policy, for an extra cost.

Key features

  • Provides cover for 42 conditions.
  • Critical illness cover has additional cover for your children, included at no extra charge. Conditions apply.
  • An additional payment will be paid out in the event of claims for ductal carcinoma in situ of the breast and low grade prostate cancer. The original sum assured and premiums are not affected although some conditions apply.
  • When setting up your policy you can choose whether your policy will pay out a lump sum or a monthly amount.
  • Age restrictions apply. Please see the Key Features Document for full details. Cover available to UK residents only.

This is not an investment product and has no cash value unless a valid claim is made.

What will stop the plan from paying out?

Critical Illness Cover plans won't pay out if:

  • you have an illness that Legal & General either don’t cover, or that doesn’t meet their definition of a critical illness. For example, some types of cancer aren’t covered; or
  • children's critical illnesses won’t be covered if the condition was present at birth, the symptoms arose before the child was covered or if death occurs within 14 days of diagnosis. Children’s cover doesn’t pay out for Total and Permanent Disability.

No claim for Terminal Illness Cover can be made after the death of the person covered, or on plans of less than two years.

What might stop the plan from paying out?

Legal & General might not pay out if:

  • you don’t give them all the information that they ask for, or give them inaccurate information. This applies to information they ask for when the plan is being set up, and when you or your representatives make a claim;
  • you don’t tell Legal & General if any of the information you provide in your application changes before your plan starts. You need to let Legal & General know, to make sure your cover is not affected; or
  • there are specific conditions under which the plan won’t pay out. If this applies to you, Legal & General will write to you when they set up your plan to let you know about any exclusions they’re applying, and check that you’re willing to accept them.

No claim for Terminal Illness Cover can be made after the death of the person covered, or on plans of less than 2 years.

Critical Illness Cover might not pay out when you claim, if you are living outside the European Union, USA, Canada, Australia, New Zealand, the Isle of Man or the Channel Islands and Legal & General are unable to confirm that your claim is valid.

Legal & General might decline a Waiver of Premium claim if when you claim, you have been living in a non EU country for more than three consecutive months in any 12 months, Terms and conditions apply to all plans.

For further details of our Critical Illness Cover, conditions and exclusions that apply please read the Critical Illness guide.

We realise just how important it is to know that you’re taking out life insurance with a company that will still be around in years to come, which is why we’ve teamed up with Legal & General, a large company who specialise in providing a service that you can always trust in times of financial uncertainty.

Next steps

Call us

Call us for further information and ;to apply

Phone Number: 0345 850 1777

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