Critical illness cover

Paying for childcare, adapting a home to new ways of living, settling a mortgage – all things for your clients to consider when planning their financial future.

If they lost their main source of income, covering the bills might not be so easy. Your clients already insure their home, their car and maybe even the family pet, so providing for loved ones should be equally as important.

Put simply, critical illness cover is protection for their family in the event of them falling seriously ill or dying. It provides a lump sum payment if the person covered meets the criteria of one of the conditions listed in their policy, or if they pass away.

Welcome to our critical illness cover

This video tells you exactly how YourLife Plan Term Assurance with Critical Illness Choices works.

Say hello to our new critical illness cover.

We’ve designed cover that gives you choices. That means cover can be personalised for all needs and budgets. 

Start with core critical illness. It includes the equivalent of over 45 conditions, plus life cover and terminal illness.

Then choose from our four additional benefits.

Enhanced critical illness cover, including the equivalent of over 50 conditions plus pregnancy cover, total permanent disability, waiver of premium and children’s cover.

Smart Health is available to all critical illness customers from the day their cover starts, with unlimited access to mental and physical health support. That includes online GP appointments and a second medical opinion service from world leading specialists.

Whether it’s coughs and sneezes, or something more serious, our critical illness cover is here to look after the whole family’s health.

Our critical illness cover includes grouped conditions. We’ve merged similar conditions together, and consolidated a further 20 conditions into four groups. These four groups focus on customer impact, or specific surgeries, not the name of a condition.

We think it makes for much fairer customer outcomes; if the impact is the same, the customer will be covered – whatever the name of the condition.

This all adds up to protection that’s designed for today but keeps pace with tomorrow. Whether it comes to flexibility or value, our critical illness cover delivers every day benefits and the best outcomes for customers.

Shaking up the critical illness market

Woman under purple blanket with two children
Choose flexibility

Our critical illness cover gives you choices. You can personalise your recommendation to your client’s budget and needs, so start with core critical illness cover and take it from there. Choose from additional options for our broadest ever cover, including our comprehensive children’s option, designed with the family in mind.

Man smiling whilst driving a car with a female passenger
Choose value

Our Smart Health service, valued by customers at £43 per month*, is included at no additional cost for all our critical illness customers, their partner and their children up to age 21. It connects them to professionals they need – from on-demand appointments with UK GPs, to consultations with the world’s top specialists.

Woman in pink headscarf gets hugged by child
Choose better customer outcomes

We’ve included umbrella conditions you’ll be familiar with so that they’re simple to explain and easy to understand. We’ve also consolidated over 20 conditions into four impact-based groupings; degenerative neurological disorders, reduced heart function, surgery to the heart, aorta or pulmonary artery, and surgery via the skull.

By focusing on specific surgeries or the impact on your clients’ daily lives, not the name of a condition, making for fairer customer outcomes. If the impact is the same, your clients will be covered – whatever the name of the condition.

How it works


And here’s the detail. Visit our Cover Details if you’d like to know more.

Man holding avocado halves up to his eyes

Smart Health

From on-demand consultations with UK based GPs to second medical opinions from Best Doctors®, our Smart Health service is a convenient way to connect your clients to tools that help them manage their health and wellbeing. It’s available 24/7, 365 days a year, anywhere in the world and can also be used by their partners and children up to age 21, all at no additional cost.

Smart Health is a non-contractual benefit that could be changed or withdrawn in the future.


Writing your client's policy into trust

Your clients are able to write their policies into trust, and we offer both discretionary and bare trust options. Making this legal arrangement ensures that money paid out goes straight to the people they want to benefit from it. It also could allow a quicker death claim payment compared to a policy not in trust and could exempt any pay out from IHT liabilities.

We cannot advise on whether putting any particular plan into a trust would be suitable for your client’s particular circumstances and would recommend that they take professional legal advice. For more information, read our guide to explain how trusts work for insurance policies.


Additional benefits of AIG

Two doctors walking up stairs
Smart Health

From on-demand consultations with UK based GPs, to Best Doctors - the expert case management service with the world’s top medical specialists, our Smart Health service is a convenient way to connect your customers to tools that help them to manage their health and wellbeing from anywhere in the world, 24/7.

Two children painting with their hands
Winston's Wish

We all know that life insurance is there to support your loved ones should the worst happen, but at AIG, we know that there’s more to it than just financial protection. Winston’s Wish – the UK’s leading child bereavement charity – help children get the support they need in the event of losing a parent or sibling.

* Source: AIG Life commissioned research, ID Consulting, January 2020: 2000 sample size.

Smart Health is provided to AIG Life Limited customers by Teladoc Health.

Smart Health and Best Doctors are non-contractual benefits, meaning  they don’t form part of an insurance contract with us. The services can be withdrawn at any time without notice.

Winston's Wish is a national charity that is accessible to anyone regardless of your insurance policy. The service is available even if your policy ends.

Literature and support materials

Critical Illness Choices – sales aid

Download our sales aid to understand how YourLife Plan Term Assurance with Critical Illness Choices can help your clients.

DOWNLOAD Updated 19 Oct 20
Critical Illness Choices – Cover Details

Read our Cover Details for an explanation of how YourLife Plan Term Assurance with Critical Illness Choices works.

DOWNLOAD Updated 24 Mar 22
Critical Illness Choices – Key Facts

For an overview of YourLife Plan Term Assurance with Critical Illness Choices, visit our Key Facts.

DOWNLOAD Updated 24 Mar 22
A guide to Critical Illness Choices

Read more about our grouped conditions and the definitions we use in our YourLife Plan Term Assurance with Critical Illness Choices product.

Reasons why – individual protection

This guide provides examples for all scenarios where individuals are looking for cover and help with ‘reasons why’ letters.

Download Updated 24 Mar 22