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.
Key3 offers your clients a cost-effective solution when compared to standard critical illness products, giving them the cover they need to work within their budget - it’s available with and without life insurance. If your client chooses the life insurance option, the policy will pay out once 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
Over 80% of adult critical illness claims paid out by AIG in 2019 were for illnesses covered by Key31. This straightforward policy offers financial support for when your clients will need assistance most.
If your client is affected by one of the ‘big three’, a Key3 critical illness policy gives them the financial assistance they need to be able to focus on recovery.
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Smart Health is a non-contractual benefit that could be changed or withdrawn in the future.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
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.
Additional benefits of AIG
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.
Our Claims Support Fund
Literature and support materials
Key3 - Cover Details
This explains how the cover works and the terms and conditions for Key3 Critical Illness Insurance.
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.
Key3 - Sales Aid
Find out how our Key3 product can help your clients, providing cover for three common illnesses.
Key3 with Life Insurance - Cover Details
This explains how the cover works and the terms and conditions for Key3 Critical Illness with Life insurance.
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.
Key3 - Reasons why
This provides useful examples for a ‘reasons why’ letter and scenarios where Key3 is suitable