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.

Why AIG?

Woman under purple blanket with two children
Choose flexibility

Finding a balance is key. And it’s the same when choosing the right critical illness cover. When it comes to needs, budgets and priorities, everyone is different. So we’ve designed cover that can be personalised to work for your clients, their families and their budgets.

Woman sat on sofa looking at doctor on tablet
Choose value from day one

The award-winning on-demand health and wellbeing service Smart Health, valued by customers at £43 per month*, is included at no additional cost for every one of our critical illness policyholders. It’s also available to partners and children up to age 21, so it really is there for the whole family.

Woman in pink headscarf gets hugged by child
Choose better outcomes

Critical illness cover isn’t just about a long list of complicated medical terms (or conditions as they’re sometimes called) – it’s so much more. That’s why our cover focuses on the impact, rather than the cause. We’ve combined over 20 conditions into four groups – making it fairer when it comes to claim.

How it works

Infographic showing how AIG's Critical Illness Choices product is made up

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

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

*AIG Claims stats 2022

Woman sat on sofa looking at doctor on tablet

Smart Health

Giving your clients value from day one with access to health and wellbeing advice 24 hours a day, 365 days a year. It's unlimited and available to your clients, their partner/spouse and children (up to age 21), even if the children's cover option isn't chosen – all at no extra cost.

And the support doesn't stop there. We've got your clients’ backs after claim too – they can still use the experts at Smart Health for a second medical opinion for three years to manage the after-effects of treatment.

Smart Health is a non-contractual benefit that could be changed or withdrawn in the future.

Writing your client's policy into trust

If your clients want to put their policies into trust, we’re on hand with example trust documents. This legal arrangement could ensure that money paid out for a claim goes straight to the people it needs to. It could also speed up death claim payments and help mitigate Inheritance Tax liabilities.

We can’t advise on whether putting any policy into trust would be the right thing to do for your clients and recommend they take professional legal and tax advice. Here’s our guide to explain how trusts work with AIG policies.


Literature and support materials

Critical Illness Choices – sales aid

Find out how our critical illness product offers quality and flexibility, giving better outcomes and value from day one.

download Updated 19 Sep 22
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 19 May 24
Critical Illness Choices – key facts

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

DOWNLOAD Updated 19 May 24
Critical Illness Choices – adviser guide

It's time to meet quality critical illness cover, designed to suit your clients' needs. Read more about how you'll be able to personalise protection for your client, their family and their budget.