Critical Illness Cover: A smarter choice for you and your clients

Change is part of life. Sickness happens. Loved ones get unexpectedly ill. Kids grow up and go off on their travels. Plans alter and needs evolve. It's why your clients need Critical Illness Cover that's in tune with change. And it's why, as part of our commitment to improvement, we're always fine-tuning our protection to anticipate their evolving needs. And yours. Find out more about our improved Legal & General Critical Illness Cover across these pages.



Changes in tune with your business

We know that demands have changed. We've reviewed incidence rates to identify illness trends. And we've analysed market expectations to improve our product where it's needed.


What's new?



Five reasons to offer our Critical Illness Cover

We’ve fine-tuned our protection to make it a better choice for you and your clients as illnesses, health and demands change. Here are five reasons to offer our cover.


With two-thirds of our claims being cancer-related, we know that clients are coming to you with concerns about cancer cover. So we’re adding cover where it’s needed.

Our additional payments protect your client’s lump sum, as it would still be paid in the event of a valid claim for one of our specified critical illnesses. Making our offering even more reassuring.

Unlike other providers, your clients’ kids don’t need to remain in full-time education to be covered.

With our cover, Wellbeing Support and Care Concierge begin on day one for the whole family and Wellbeing Support extends beyond the claim. Not just when serious illness happens.

With us, there’s no cut-off period for making a claim*. So your clients can concentrate on putting their recovery first.

From diagnosis to grief: A journey through loss

Beth discussed the importance of having insurance, specifically Critical Illness Cover, and Life Insurance, and how it impacted her family during such a challenging time. 

Legal and General





What’s included with our Critical Illness Cover

Here’s a look at our two cover options:



What is Wellbeing Support?

Provided by RedArc Assured Limited, the service gives access to support from experienced registered nurses from day one, and until 6 months post claim. It’s available to the policyholder and immediate family.



Your Critical Illness Cover toolkit

Our toolkit makes it simpler for you to arrange our cover. Browse and download made-for-you sales aids, suitability wording, guides and one-pagers to support your conversations.



More from Adviser Protection

Just Covered Podcast

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BDM Support

Find your local BDM’s details


Get pre-sale support with underwriting limits, ratings, exclusions and more.


*A claim can only be made if diagnosed during the policy term.


1 Legal & General 2023 claims data

2 CI Expert Critical Thinking Report 2024

3 Cancer research UK