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You asked: What is critical illness with increasing cover?

With a critical illness policy with increasing cover, the level of cover we provide can increase annually in line with the Consumer Prices Index (CPI), a recognised measure of inflation. Premiums will also increase annually to reflect this. Because the level of cover can increase over time, it helps to protect your loved ones against the rising cost of living. (The maximum amount your cover can increase by is 10% and your premiums could increase by a maximum of 15%.) If you choose not to accept the increase, or if the CPI doesn't increase at all, your cover and premiums will stay the same.

The policy will pay out if you are diagnosed with a critical illness that meets our policy definition and survive for at least 10 days. There is no cash in value at any time.

If your policy was previously Friends Life, then the above information may not apply. For further information please refer to your policy documents or contact us.

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