Standalone cover

Standalone specified illness cover will give you a predetermined lump sum if you or one of your children is diagnosed with a specified illness during the term of your policy.

You will only be paid the lump sum if you survive for at least 14 days after your illness is diagnosed and certified.

If you die before you have made a claim on your specified illness cover, your family will receive a death benefit of 5% of the lump sum.

You decide the term of your policy – choose any length between 5 and 30 years.

Standalone specified illness cover can be arranged on a single, dual or joint life basis.

Accelerated cover

Accelerated specified illness cover provides a lump sum payment on the earlier of two events:

• The death of the person named on the policy (the 'life assured')
• The diagnosis and certification of a prescribed specified illness as defined in the policy

With accelerated cover, the lump sum is payable once on death or specified illness.

Accelerated specified illness cover can be arranged on a single, dual or joint life basis.