Our Start range offers comprehensive, award-winning cover, but at a lower initial cost, making it more affordable in the early years. You can choose life insurance only – Life Start or life insurance with critical illness cover – CIC Start.
Whatever your budget, our Start range can help you afford the level of protection that’s right for you, right now.
The key difference to traditional insurance is the cost. The cost of Life Start and CIC Start premiums are lower at the start of your insurance and rise over time. Depending on how long you keep the cover for, a Start Range plan could eventually cost more than a traditional plan.
However, the amount you pay each year is fixed from day one and we will tell you how much you will be paying each year during the lifetime of your plan. You can opt out of this increase or switch to level payments at any time. This may reduce the amount of benefit you receive.
Our Start Range provides the same great cover as YourLife Plan critical illness cover - it’s simply another way to pay.
In total, CIC Start covers 102 conditions, and we’ve made sure the ‘big four’ conditions – cancer, heart attack, multiple sclerosis and stroke - along with another 12 of the most critical conditions, are covered by definitions that go beyond the ABI’s standard.
Most people don’t realise that children are actually one of the most common reasons for people needing to claim. That’s why we automatically cover any children you have now or in the future – as standard. Our enhanced children’s critical illness cover allows a parent to claim up to 50% of the value of their policy, up to a maximum of £35,000, if their child is diagnosed with one the critical illnesses we cover.
We also include ten additional child-specific conditions such as cystic fibrosis, Down’s syndrome and spina bifida. We also double the total payment, up to a maximum of £70,000, if curative or stabilising treatment is only available overseas and pay £10,000 as a child life cover benefit if your child dies during the term of the cover. We aim to make life easier, so if a child is diagnosed with a terminal illness we’ll pay the child life cover benefit early.
In addition, we will pay a pregnancy cover benefit of £5,000 if the person covered suffers from a defined complication during pregnancy.
The Start Range cannot be purchased direct from AIG. 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 best.
If you don’t already have an Independent Financial Adviser, you can find one at https://www.unbiased.co.uk
If you would like to know more about any of our products, you can download a copy of the Key Facts or Cover Details documents: