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

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 discuss your options with a financial adviser if you're unsure. If you don't have a financial adviser, you can find one at unbiased.co.uk. Please be aware that you may need to pay for this advice.

Our Critical Illness Plan 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. Our Life Insurance Plan 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. It's worth noting that there is no cash-in value at any time with either of these policies.

If you already have a policy please check your terms and conditions.