Individual Protection from AIG
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Key3 Critical Illness Insurance

We understand why your biggest fear is the risk of being diagnosed with cancer or suffering a heart attack or stroke - almost 80% of the adult critical illness claims paid out by AIG Life in 2015 were for these three conditions1 .

Every two minutes, someone is diagnosed with cancer2

Every seven minutes, someone has a heart attack3

Every 12 minutes, someone has a stroke4

But you can reduce your future financial worries by buying AIG’s Key3 Critical Illness Insurance.

Key3 pays a tax-free lump sum if you are diagnosed with cancer or suffer a heart attack or stroke.

Key3 is available with life insurance meaning your policy could also pay out if you die or are diagnosed with a terminal illness and are not expected to live for more than 12 months.

Key3 is:

Simple: this insurance is easy to understand so you know exactly what you are covered for – it pays a lump sum if you are diagnosed with cancer, a heart attack or stroke.

Affordable: it’s cheaper than comprehensive critical illness cover, to help you work within your budget and get the cover you need.

Essential: Key3 covers the ‘Key 3 Critical Illnesses’ people suffer from - cancer, heart attack and stroke - which accounted for almost 80% of the adult critical illness claims paid out by AIG Life in 2015.

You can buy Key3 insurance:

  • for yourself;
  • for yourself and your partner (paying out when the first person needs to make a claim); or
  • for someone else, provided you have what we call an ‘insurable interest’ in that person – this means you would suffer financially if they were to fall seriously ill or die.

It also provides immediate access to the Best Doctors medical opinion service for you, your partner and children. Even after a claim has been paid and the insurance has come to an end, the policyholder can continue to use this service for three years.

Should you need to make a claim, you can access our Claims Support Fund, which can provide up to £300 to cover additional expenses caused by your critical illness (such as travel and parking costs, physiotherapy, etc.).
You can also choose to include ‘Waiver of Premium’ – if you are off work for more than six months through sickness or an accident, this allows you to take a break from paying your Key3 premiums.

Buying Key3 Critical Illness Insurance gives you financial peace of mind so you can concentrate on getting better while you recover from cancer, a heart attack or a stroke. The money can be used to pay your mortgage, or rent and utility bills and help cover the unforeseen costs of your illness such as rehabilitation treatments or alterations to your home or even a holiday, alongside other day-to-day household expenses.

Key3 might also be useful to you if you own a business and are looking for a simpler, more affordable way of gaining protection insurance.

  1. Internal AIG Life MI 2015

  2. Cancer Research UK, 2015

  3. Heart UK, 2015

  4. Heart UK, 2015

The type and amount of insurance that you should have in order to provide financial security for your family will depend on your financial situation. It’s up to you to work out how much insurance you would need to cover financial commitments such as your mortgage or rent, household bills and living expenses.

We recommend you speak to a financial adviser to find out what and how much financial support you need, as well as deciding which of our products and features suit you. If you don’t already have a financial adviser, you can find one at www.unbiased.co.uk

Key3 Critilical Illness Insurance cannot be purchased direct from AIG.

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Key3 Critical Illness Insurance Key Facts

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Key3 Critical Illness with Life Insurance Key Facts

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