Should I have the same level of cover for my life insurance and critical illness cover?

Not necessarily. They’re separate policies, and you don’t have to choose the same level of cover for both.

Everyone's different, so it’s up to you to decide which policy, or combination of policies, is right for you. You could ask a financial adviser if you’re unsure.

Critical Illness cover pays out if you’re diagnosed with a critical illness that meets the policy definition during the term of the policy and survive for at least 10 days. Life insurance pays out if you die, or are diagnosed with a terminal illness and are not expected to live for longer than 12 months, during the policy term.

If your policy was previously with Friends Life, see your policy documents or contact us.