Frequently Asked Questions

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

Each of our policies can help to protect your family from the uncertainties in life. If your policy was previously Friends Life, then the below information may not apply. For further information please refer to your policy documents or contact us.

Our Critical Illness Plan will pay out if you are diagnosed with a critical illness that meets our policy definition during the term of the policy and survive for at least 10 days. We only cover the critical illness we define in our policy and no others.

Whereas our Life Insurance Plan will pay 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 we pay the terminal illness benefit then the life insurance policy ends and there will be no further amount payable on death.

With these policies, there is no cash in value at any time.

Our Critical Illness Plan is considered separately to our Life Insurance Plan and you do not have to choose the same level of cover for each.

Everyone's circumstances are different and it is up to you to decide which policy, or combination of policies, might best suit your needs. If you are unsure, you can speak with a financial adviser. If you do not have a financial adviser, you can find a local adviser in your area using

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