Key3 Critical Illness Insurance

Key3 Critical Illness Insurance is a simpler version of our standard critical illness product, covering cancer, stroke and heart attack. It pays a tax-free lump sum if your client suffers from one of these conditions.

It’s a cost-effective solution when compared to standard critical illness products, providing a protection option while working within their budget. Your clients can also choose Key 3 with Life Insurance, and then the policy will pay out in the event of death, terminal illness or for one of the three critical illnesses.

Why recommend Key3 Critical Illness insurance

Cancer, stroke and heart attack can affect anyone at any time. And it happens more often than you think.

  • Every two minutes: someone is diagnosed with cancer2
  • Every five minutes: someone in the UK is admitted to hospital due to a heart attack3
  • Every five minutes: someone has a stroke4

Almost 83% of adult critical illness claims paid out by AIG in 2022 were for illnesses covered by Key31. Putting a policy in place gives your clients the financial help they need to be able to focus on recovery, whether it’s paying for childcare, adapting a home to new ways of living or settling a mortgage.

  1. AIG Life Claims statistics, 2023
  2. Cancer Research UK, 2023
  3. British Heart Foundation, UK Factsheet, April 2023
  4. Stroke Association, 2023
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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.

Smart Health is a non-contractual benefit that could be changed or withdrawn in the future.

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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.

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Additional benefits of AIG

Two doctors walking up stairs
Smart Health

The insurance also includes access to Smart Health, an additional service provided at no additional cost to you. From on-demand consultations with UK based GPs to second medical opinions, 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 provided to AIG Life Limited customers by Teladoc Health. We want to let you know that these services are non-contractual, which means they don’t form part of the insurance contract with us. If our partnership with Teladoc Health ends, these services could be changed or withdrawn in the future.

Man lifting woman over a wall
Our Claims Support Fund

It’s there to pay for up to £500 worth of extra services that will make life a little easier. Things like travel costs, parking at hospital, wigs following cancer treatment – there’s no limit to what it can be used for. It won’t be taken off your client’s pay out they get and we don’t necessarily have to have agreed their claim.

Literature and support materials

Key3 - Cover Details

This explains how the cover works and the terms and conditions for Key3 Critical Illness Insurance.

Download Updated 19 May 24
Key3 Critical Illness Insurance – Key Facts

This document describes what is covered by Key3 Critical Illness Insurance, who can buy it and how it works.

Download Updated 19 May 24
Key3 - Sales Aid

Find out how our Key3 product can help your clients, providing cover for three common illnesses.

Download Updated 12 Feb 21
Key3 with Life Insurance - Cover Details

This explains how the cover works and the terms and conditions for Key3 Critical Illness with Life insurance.

Download Updated 19 May 24
Key3 Critical Illness with Life Insurance – Key Facts

This document describes what is covered by Key3 Critical Illness with Life Insurance, who can buy it and how it works.

Download Updated 19 May 24
Key3 - Reasons why

This provides useful examples for a ‘reasons why’ letter and scenarios where Key3 is suitable

Download Updated 18 Dec 23