Critical illness cover

Critical illness cover is there to make your life easier if you ever face a serious health problem.

It pays out if you’re diagnosed with one of the conditions listed in your policy or if you pass away. You already insure your home, your car and maybe even the family pet, so protection for you and your loved ones should be equally as important.

Some of the common things people think about when considering this type of cover are:

A key with a picture of a house as a keyring

Whether it's setting a mortgage or having the financial security to keep up with the rent

A blank outline of younger and older sibling

A loss of income might affect your ability to pay for childminders or after-school clubs

A house with a '+' (plus) icon as the front door

Financial impact of illness
Some illnesses can come with a hidden price tag, like the extra cost of travel to appointments and alterations to your home

In short, if you’re diagnosed with a condition covered in your policy, we’ll help take away some of your money worries, leaving you to focus more on what really matters – your recovery.

YourLife Plan Term Assurance with Critical Illness Choices

We’ve designed critical illness cover that gives you choices. You can work with your financial adviser to personalise cover to suit your budget and your family’s needs.

It’s simple. Start with core critical illness cover and take it from there. You can then choose from four additional benefits. Here’s how it works:



Helping you understand your options is really important, so here’s the detail of what’s included. If you’d like to know more, speak to your financial adviser or browse our Key Facts.

More options

Your needs may be different to your friend, your neighbour or a family member. That’s why we have different critical illness insurance options – to help you find the cover that works for you and your lifestyle.

  • CIC Start – Critical Illness with Term Assurance: Our Start range can help if you have a limited budget but you’re looking for a full range of protection. Right from the beginning of your cover, it includes all conditions and cover for children as standard.

    The amount you pay every month starts off at a lower level and then increases gradually over time – no need to worry about affording the initial price to begin with.

  • Key3 – Critical Illness Insurance: Key3 offers you cover for our three most commonly claimed on critical illnesses* – cancer, heart attack and stroke. It’s a cheaper and simpler option when compared to Critical Illness Choices, as you’re covered for fewer conditions. It is available with or without life cover.

*AIG claims statistics, 2019

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How to buy

There are a number of ways you can get AIG cover for you and your family. To find the right option for you, head to our dedicated 'How to buy' page.


Get covered

Writing your policy into trust

You are able to write your policies into trust, and we provide adaptable specimen trust documents for use. Making this legal arrangement could ensure that money paid out for a claim goes straight to the people you want to benefit from the trust. It also could allow a quicker death claim payment compared to a policy not in trust and could mitigate Inheritance Tax liabilities.

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


Smart Health

Meet Smart Health - the health and wellbeing service from AIG, designed with your physical and mental wellbeing in mind. Whether you need to talk to a registered UK GP or want to get some hints and tips from a nutritionist, you’ll be able to chat to a professional 24/7, 365 days a year and from anywhere in the world - all at no additional cost. There’s no cap on how many times you can use it, and your partner and any children up to age 21 can take advantage too.


Additional benefits

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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.

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.

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 – Key Facts

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

DOWNLOAD Updated 24 Mar 22
CIC Start – Critical Illness with Term Assurance – Key Facts

For more information on CIC Start – Critical Illness with Term Assurance, visit our Key Facts.

Download Updated 24 Apr 21
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 18 Oct 20
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 13 Dec 20
Critical Illness Choices - Sales Aid

A summary of the benefits of our YourLife Plan Term Assurance with Critical Illness Choices cover.

DOWNLOAD Updated 28 Apr 22