Who offers the best critical illness cover? [Top 10]

Based on our own research here at Reassured, we’ve discovered that the best critical illness cover policies in the UK are provided by:

  1. Aviva
  2. Legal & General
  3. Vitality
  4. AIG
  5. Royal London
  6. NFU Mutual
  7. Scottish Widows
  8. LV=
  9. Guardian
  10. Zurich

Read here how we calculated our top 10 critical illness cover list detailed above.

In this 2024 guide, we compare the main features and benefits of each of these policies to help you decide which option may best suit your needs.

Reassured provide free quotes for critical illness cover when added to a life insurance policy, to with premiums from just £10 per month º .

Our award-winning broker service is here to help you find excellent deals from some of the UK’s best life insurance companies.

Simply fill in our online form to receive your free, no-obligation quotes.

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Compare the best critical illness insurance UK [Summary]

In the table below, we’ve provided a simple comparison of the critical illness policies in our top 10 list to help you easily compare the best options available.

InsurerRanking defaqto logo Total number of illnesses coveredFree children’s coverSurvival periodFree benefitsClaims paid in 2023
aviva logo 1 Defaqto 5 stars 34Yes10 daysAviva DigiCare+91.6%
Legal & General logo 2 Defaqto 5 stars 38Yes14 daysWellbeing Support & Care Concierge93%
Vitality logo 3 Defaqto 5 stars Up to 174No14 daysVitality rewards programme87.8%
AIG logo 4 Defaqto 5 stars Up to 48No10 daysSmart Health95%
Royal London logo 5 Defaqto 5 stars 78No10 daysHelping Hand90.5%
NFU Mutual logo 6 Defaqto 5 stars Up to 48No10 daysNone specified95%
Scottish Widows logo 7 Defaqto 5 stars 40Yes10 daysScottish Widows Care92%
LV= logo 8 Defaqto 5 stars 40No14 daysNone specified85%
Guardian logo 9 Defaqto 5 stars 74No14 daysAnytime & HALO92%
Zurich logo 10 Defaqto 5 stars 41No10 daysNone specified90%

The information in this table has been taken directly from the individual insurer’s websites and is correct as of 14/08/24 and is subject to change at any time

Please note, Reassured can’t arrange policies from all of the insurers listed in our top 10.

Continue reading this guide for a more detailed comparison of each of the best critical illness providers in the UK.

What is critical illness cover UK?

Critical illness cover provides you with a lump sum pay out if you’re diagnosed with a serious illness (that’s covered by your policy).

It’s designed to help you manage financially while you’re in recovery, and can be used towards mortgage costs, bills and/or private medical treatment.

Critical illness cover is often taken out as part of a life insurance policy, but it’s also possible to buy critical illness cover without life insurance through some insurers.

Please note, at Reassured, we only offer critical illness cover as part of a life insurance policy.

Is critical illness cover worth it?

Critical illness cover could be worthwhile if you don’t have sufficient savings or other types of insurance in place to help protect against illness or injury during your working life.

In the UK:

Unfortunately, anyone can develop a critical illness at any age, so it’s important to have the right protection in place should the unexpected happen.

Life insurance with critical illness cover starts from just £10 a month through us, so get in touch to see if we can help you secure a competitive price.

Why compare critical illness cover quotes through Reassured?

  • Find your perfect policy as we help to compare multiple quotes from our panel of leading UK insurers (fee-free)
  • Our award-winning broker service is rated ‘Excellent’ on Trustpilot from over 77,000+ customer reviews
  • We’re the largest life insurance broker in the UK * with more than 1 million families protected through us (and counting)
  • We have a team of dedicated experts on hand to provide specialist support and personalised quotes for a range of policy options
  • Reassured are regulated by the Financial Conduct Authority (FCA)
  • Secure up to £1 million of critical illness cover and life insurance depending on your needs and budget
  • Life insurance starts from just £5 a month † and life insurance with critical illness cover starts from £10 a month º

How much critical illness cover do you need? [calculator]

Fill in the costs you’d like your life insurance and critical illness policy to cover to calculate your ideal cover amount.

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£129,130 is the average mortgage debt in the UK.

Life insurance with critical illness cover could help to keep your loved ones in the family home should you fall ill or pass away before paying off the mortgage.

Source: Finder.com
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£2,700 per month is the average UK household budget, life insurance with critical illness cover could help to replace your income and cover necessities such as bills and living expenses if you fell critically ill or passed away.

Source: Nimblefins.co.uk
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£2,277 is the average credit card debt per household in the UK.

Factoring in any debts into your sum assured could provide you with peace of mind that you could continue with payments if you were to fall ill, or that the debts could be settled after your passing.

Source: Themoneycharity.org.uk
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Should anything happen, you’ll want to ensure that necessary costs are protected for your children.

This could include childcare (on average £7,729 per year) or school associated costs (up to £1,756 per school year).

Sources: Daynurseries.co.uk & Theguardian.com
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If you were to fall critically ill, it’s likely you’d need to take a significant time off work in order to recover.

While you’d be entitled to sick pay and/or government support, this may not be sufficient to cover all your key costs.
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The price of private medical treatment can vary depending on the severity of the condition and the type of treatment required. It could be wise to add an additional sum to cover these costs.
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If you don’t claim on your policy for a critical illness and you pass away within the policy term, your loved ones could use the pay out to help cover the cost of your funeral.

The current average cost of a funeral in the UK is £4,141, with the overall cost of dying up to £9,658.

Source: SunLife.co.uk
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You could factor in an amount to leave to your loved ones to spend as they wish after your passing. Alternatively, you could make a cash gift to a charity of your choice.
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Your total cover estimate

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Let us find our best quotes.

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What does critical illness insurance cover?

A critical illness policy covers a range of specified critical illnesses.

The illnesses that you’re covered for will depend on the insurer and the level of cover you choose.

A standard policy covers between 40 and 50 conditions on average.

Most insurers split their list of conditions into two groups - ‘core critical illnesses’ and ‘additional critical illnesses’. We explain the difference between these below.

Core critical illnesses

A successful claim for any core critical illnesses will provide you with a full pay out (100%) of your sum assured. After this, your cover (including any life cover) will come to an end.

Examples of critical illnesses that are usually covered in full include:

  1. Cancer - excluding less advanced cases
  2. Stroke
  3. Heart attack
  4. Multiple sclerosis
  5. Blindness
  6. Deafness
  7. Benign brain tumour
  8. Brain injury
  9. Liver failure
  10. Kidney failure
  11. Loss of use of a limb
  12. Heart surgery
  13. Coma
  14. Cardiac arrest
  15. Dementia
  16. Parkinson’s disease
  17. Rheumatoid arthritis
  18. Terminal illness

Additional critical illnesses

Additional critical illnesses often include less serious conditions and provide a smaller pay out upon a successful claim, without affecting the rest of your cover.

In this circumstance, it’s possible to make more than one claim on your policy.

Examples of additional critical illnesses that may be covered include:

  1. Less advanced forms of cancer, such as carcinoma in situ of the breast, testicle, or cervix
  2. Low-grade prostate cancer
  3. Skin cancer
  4. Crohn’s disease
  5. Third-degree burns
  6. Bladder removal

Some insurers also offer an enhanced critical illness cover option. This provides cover for a wider range of conditions at an extra cost.

See our guide ‘What illnesses are covered by critical illness cover?’ for a more detailed list of conditions.

How have we calculated the best critical illness cover UK?

We’ve looked at the key features and benefits of each critical illness policy, as well as reviews and claims data of each insurer, to determine our top 10 shortlist.

The information we’ve compared includes:

Health

Total number of core and additional critical conditions covered by each policy. Policies that cover a broader range of conditions typically rank higher than those with fewer conditions.
Heart

The survival period, which is the number of days you must survive after the diagnosis before you can make a claim. This period varies between different insurers.
Childcare Cost Baby

Whether child critical illness cover is included as standard or can be added on to the policy for an additional cost. This type of cover often includes child life cover and other benefits that can be valuable if you have children or plan to have children in the future.
Choice Of Options

Optional extras that can help enhance your cover (for an extra cost). These may include waiver of premium (pause your payments while you’re not working due to illness), increasing cover option (to help protect your pay out against inflation) and total permanent disability cover.
Fee Free

Free benefits that you can enjoy as a policyholder. While free benefits can be changed or removed at any time by the insurer, we have chosen to include these in our best critical illness cover calculations.
Happy Customers

The percentage of claims paid according to the individual insurer’s websites [2023 data].
Trusted Service

Current Fairer Finance customer experience rating and Trustpilot score (out of 5) to help provide a better understanding of the overall quality of service offered by each insurer.

Please note, our top 10 best critical illness cover policies are each rated 5 stars by at Defaqto. This means they are considered the best in the market according to industry experts.

Below, you’ll find a detailed breakdown of each critical illness cover policy to help you choose the best option for you.

Life & Critical Illness Comparison » Find Our Best Deals

1. Aviva

Aviva critical illness cover key points:

  • The Aviva critical illness list includes a total of 34 conditions as standard, or 73 conditions if you opt for their upgraded cover for an additional cost[4]
  • This policy includes free children’s critical illness cover, child death benefit and children’s hospital benefit as standard
  • Policyholders get free access to the Aviva DigiCare+ app which offers a range of health and wellbeing services (worth over £900 a year)
  • Aviva have won numerous industry awards, including ‘Outstanding Individual Critical Illness of the Year’ at the Cover Excellence Awards 2023[5]
  • Aviva critical illness cover can be combined with a life insurance policy from just £10 a month through Reassured
Key features aviva logo
Core critical illnesses covered (for full pay out)32
(or 47 if you opt for their upgraded cover)
Additional critical illnesses covered (for partial pay out)2
(or 24 if you opt for their upgraded cover). Claim 25% of sum assured (up to £20,000)
Age eligibility18 - 75
Maximum cover amount£1 million
Survival period10 days
Child critical illness coverFree children’s critical illness cover
Pays out 25% of sum assured (up to £25,000).
Also includes free child life cover & free children’s hospital benefit
Optional extrasIncreasing cover option, waiver of premium, upgraded children’s cover
Free benefitsAviva DigiCare+ app
24/7 health and wellbeing services
Claims paid [2023]91.6%
(totalling £362 million)[6]
Fairer Finance customer experience rating82%
Trustpilot score4 - ‘Great’

3. Vitality

Vitality critical illness cover key points:

  • Vitality critical illness cover is called ‘Serious illness cover’ as it covers a broad range of less serious illnesses in addition to critical illnesses[10]
  • They offer three different levels of cover up to 174 conditions. Vitality pay out between 25% and 100% of your sum assured depending on the severity of the condition you’re claiming for
  • This policy doesn’t include children’s critical illness cover as standard, but you can take this out as a separate policy for an additional cost
  • Policyholders get access to savings and discounts for a wide range of partners, with further savings for those who engage with the Vitality rewards programme
  • Vitality have won numerous industry awards, including 'Best Critical Illness Cover Provider’ of the year at the Moneyfacts Awards 2021[11]
  • Vitality critical illness cover can’t be taken out as a standalone policy
Key features Vitality logo
Core critical illnesses covered (for full pay out)62
(or 74 if you opt for enhanced cover).
Claim up to 100% of cover amount depending on the severity of the condition. Includes total permanent disability as standard
Additional critical illnesses covered (for partial pay out)52
(or 100 if you opt for enhanced cover).
Claim between 5% and 75% of cover amount depending on the severity of the condition.
Includes pregnancy cover up to £5,000
Age eligibility18 - 74
Maximum cover amountDepends on your personal circumstances
You can secure any amount up to the maximum monthly premium which is £60
Survival period14 days
Child critical illness coverOption to add child critical illness cover for an additional cost. Covers up to 115 conditions
Optional extrasLater life cover for dementia, alzheimer’s and frailty, increasing cover option, waiver of premium
Free benefitsVitality rewards programme
Policyholders can access discounts and savings for a wide range of health and fitness partners
Waiting list benefit
Covers up to 24 conditions, depending on your cover level. Pays out if you’re placed on the NHS waiting list for one of these conditions
Claims paid [2023]87.8%
(totalling £32.7 million)[12]
Fairer Finance customer experience rating77%
Trustpilot score4.3 - ‘Excellent’

4. AIG

AIG critical illness cover key points:

  • The AIG critical illness list includes 23 conditions, or 30 conditions if you opt for their enhanced cover[13]
  • This policy doesn’t include children’s critical illness cover as standard, but you can add this for an additional cost
  • Policyholders get free access to Smart Health, an award-winning app which offers 24/7 health and wellbeing services
  • AIG have won numerous industry awards. In 2024, AIG was shortlisted for 'Best Critical Illness Provider’ and ‘Exceptional claims support’ categories at the LifeSearch Awards[14]
  • AIG critical illness cover can be combined with a life insurance policy from just £10 a month through Reassured
Key features AIG logo
Core critical illnesses covered (for full pay out)23
(or 30 conditions if you opt for enhanced cover)
Additional critical illnesses covered (for partial pay out)2
(or 18 additional conditions if you opt for enhanced cover which also includes pregnancy cover). Claim 25% of sum assured (up to £25,000). Or, for enhanced cover, claim the full sum assured (up to £35,000)
Age eligibility18 - 75
Maximum cover amountNot specified
Survival period10 days
Child critical illness coverOption to add child critical illness cover
for an additional cost. Choose between core cover for 23 conditions or enhanced cover for 45 conditions
Optional extrasWaiver of premium, total permanent disability, increasing cover option
Free benefitsSmart Health
Award-winning 24/7 health and wellbeing services app
Claims paid [2023]95%
(totalling £38 million)[15]
Fairer Finance customer experience rating75%
Trustpilot score2.8 - ‘Average’

5. Royal London

Royal London critical illness cover key points:

  • The Royal London critical illness list includes 78 conditions as standard[16]
  • This policy doesn’t include children’s critical illness cover as standard, but you can add this cover for an additional cost
  • Policyholders get free access to Helping Hand which offers 24/7 health and wellbeing services
  • Royal London have won numerous industry awards. In 2023, they won ‘Company of the Year’ at the Financial Advisor Service Awards, as well as ‘Best rehabilitation support service’ at the Protection Guru awards[17]
  • Royal London critical illness cover can be taken out as a standalone policy or combined with a life insurance policy (not available through Reassured)
Key features Royal London logo
Core critical illnesses covered (for full pay out)46
Includes total permanent disability as standard
Additional critical illnesses covered (for partial pay out)32
Claim 50% of sum assured (up to £35,000). Includes pregnancy cover up to £5,000
Age eligibility18 - 70
Maximum cover amount£3 million
Survival period10 days
Child critical illness coverOption to add child critical illness cover
for an additional cost. Choose between standard or enhanced cover
Optional extrasWaiver of premium, increasing cover option
Free benefitsHelping Hand
Wellbeing support service provided by RedArc registered nurses
Claims paid [2023]90.5%
(totalling £173 million)[18]
Fairer Finance customer experience rating79%
Trustpilot score4 - ‘Great’

6. NFU Mutual

NFU mutual critical illness cover key points:

  • NFU mutual critical illness cover is provided by AIG, and includes 24 conditions, or 48 conditions if you opt for their enhanced cover[19]
  • This policy doesn’t include children’s critical illness cover as standard, but you can add this cover for an additional cost
  • The website doesn’t specify any additional free benefits for policyholders
  • In 2024, NFU mutual won Which? ‘Insurance brand of the year’[20]
  • NFU mutual critical illness cover is only available as part of a life insurance policy (not available through Reassured)
Key features NFU Mutual logo
Core critical illnesses covered (for full pay out)23
(or 30 conditions if you opt for enhanced cover)
Additional critical illnesses covered (for partial pay out)2
(or 18 additional conditions if you opt for enhanced cover which also includes pregnancy cover). Claim 25% of sum assured (up to £25,000). Or, for enhanced cover, claim the full sum assured (up to £35,000)
Age eligibility17 - 75
Maximum cover amountNot specified
Survival period10 days
Child critical illness coverOption to add child critical illness cover
for an additional cost
Optional extrasWaiver of premium, total permanent disability, increasing cover option
Free benefitsNone specified
Claims paid [2023]97%
(inclusive of life and critical illness claims)[21]
Fairer Finance customer experience rating79%
Trustpilot score4.3 - ‘Excellent’

7. Scottish Widows

Scottish Widows critical illness cover key points:

  • The Scottish Widows critical illness list includes 40 conditions as standard[22]
  • This policy includes free children’s critical illness cover and child life cover
  • Policyholders get free access to Scottish Widows Care, a wellbeing support service provided by RedArc registered nurses
  • Scottish Widows have won numerous industry awards, including ‘Best critical illness provider’ of the year at the Moneyfacts Awards 2023[23]
  • Scottish Widows critical illness cover can be taken out as a standalone policy or combined with a life insurance policy (not available through Reassured)
Key features Scottish Widows logo
Core critical illnesses covered (for full pay out)30
Additional critical illnesses covered (for partial pay out)10
Claim 50% of the sum assured (up to £30,000). Includes total permanent disability as standard
Age eligibility18 - 70
Maximum cover amount£3 million
Survival period10 days
Child critical illness coverFree child critical illness cover
Pays out 50% of sum assured (up to £30,000)
Free child life cover
Pays out £10,000
Optional extrasWaiver of premium, increasing cover option
Free benefitsScottish Widows Care
Wellbeing support service provided by RedArc
Premium protection
(waiver of premium)
Claims paid [2023]92%
(totalling £93.9 million)[24]
Fairer Finance customer experience rating72%
Trustpilot score4.2 - ‘Great’

8. LV=

LV= critical illness cover key points:

  • The LV= critical illness list includes 40 conditions as standard, and offers enhanced pay outs for 9 of the conditions covered (up to £200,000 on top of your sum assured)[25]
  • This policy doesn’t include children’s critical illness cover as standard, but you can add this cover for an additional cost
  • The website doesn’t specify any additional free benefits for policyholders
  • LV= have won many industry awards. In 2023, they received a 5 star rating from Moneyfacts for their critical illness cover[26]
  • LV= critical illness cover is available through Reassured as part of your life insurance policy from £10 a month
Key features LV= logo
Core critical illnesses covered (for full pay out)38
Additional critical illnesses covered (for partial pay out)2
Claim 25% of the sum assured (up to £30,000. Plus, enhanced cover for 9 of the core conditions listed
Age eligibility17 - 64
Maximum cover amountNot specified
Survival period14 days
Child critical illness coverOption to add child critical illness cover
for an additional cost. If added, it also includes child funeral benefit and cost of diagnosis of cancer pay out
Optional extrasIncreasing cover option, total permanent disability
Free benefitsNone specified
Claims paid [2023]85%
(totalling £27 million)[25]
Fairer Finance customer experience rating69%
Trustpilot score4.3 - ‘Excellent’

9. Guardian

Guardian critical illness cover key points:

  • The Guardian critical illness list includes 74 conditions as standard[27]
  • This policy doesn’t include children’s critical illness cover as standard, but you can add this cover for an additional cost
  • Policyholders get free access to Anytime, which offers a 24/7 GP service, second medical opinions, wellbeing support and telephone consultations for aches and pains. Families also receive a specialist claims support service, which includes bereavement counselling
  • Guardian have won many industry awards, including ‘Best critical illness cover’ of the year at the LifeSearch Awards 2024[28]
  • The Guardian critical illness cover can be taken out as a standalone policy or added to a life insurance policy (not available through Reassured)
Key features Guardian 1821 logo
Core critical illnesses covered (for full pay out)52
Includes total permanent disability.
Additional critical illnesses covered (for partial pay out)22
Claim between 10% and 50% of the sum assured (up to £50,000).
Age eligibility18 - 64
Maximum cover amount£3 million
Survival period14 days
Child critical illness coverOption to add child critical illness cover for an additional cost. If added, it also includes child funeral cover
Optional extrasIncreasing cover option.
Free benefitsAnytime
Health and wellbeing support service
HALO
Specialist claims support service
Waiver of premium
Claims paid [2023]92%
(totalling £7.5 million)[29]
Fairer Finance customer experience ratingNo rating available
Trustpilot scoreNo rating available

10. Zurich

Zurich critical illness cover key points:

  • The Zurich critical illness list includes 41 conditions as standard[30]
  • This policy doesn’t include children’s critical illness cover as standard, but you can add this cover for an additional cost
  • The website doesn’t specify any additional free benefits for policyholders
  • Zurich have won numerous industry awards, including ‘Best Insurer’ at the Insurance CX Awards in 2024[31]
  • Zurich critical illness cover can only be taken out as part of a life insurance policy (not available through Reassured)
Key features Zurich logo
Core critical illnesses covered (for full pay out)39
Additional critical illnesses covered (for partial pay out)2
Claim 25% of the sum assured (up to £25,000)
Age eligibility16 - 69
Maximum cover amountNot specified
Survival period10 days
Child critical illness coverOption to add child critical illness cover for an additional cost. If added, it also includes child death benefit
Optional extrasMulti-fracture cover, increasing cover option
Free benefitsNone specified
Claims paid [2023]90%
(totalling £102.6 million)[32]
Fairer Finance customer experience rating65%
Trustpilot score4 - ‘Great’

Please note, Reassured can only arrange life insurance with critical illness cover for those aged 18 and over.

How to find the right critical illness cover for you [top tips]

  • Compare policies and quotes. Compare critical illness cover options by either using a fee-free broker (like Reassured) or a comparison site. Getting just one quote direct from an insurer may not provide you with the best policy or price available
  • Consider your cover needs. Carefully consider how much cover you may need and how long you’ll need to be covered for. Consider your main financial commitments such as your outstanding mortgage and childcare costs. If you have income protection or other similar types of cover in place, you may want to factor this in too
  • Choose the right policy type. There are different types of life and critical illness policies available to suit varying needs and budgets. For example, if you’re in a couple, you could take out a joint policy between both partners and save money on your premiums
  • Be honest on your application. Full disclosure on your application form will ensure that you’re offered the right cover to suit your circumstances and that any valid claims in the future are paid. For example, it’s important to tell the insurer of any pre-existing conditions as this will affect your cover terms and premium cost
  • Read the small print. Ensure that you’re happy with exactly what’s covered in your chosen policy. Insurers have their own definitions of each of the critical illnesses, so it’s important to check the definitions outlined in the policy terms and conditions before making a purchase
  • Get comprehensive cover (if it’s within your budget). Secure a comprehensive or enhanced critical illness policy which covers a broader range of conditions. This will provide you with more circumstances in which you can make a claim
  • Do you have children? If you don’t have young children or plan to have any children in the future, then it could be worth choosing one of the policies that doesn’t offer free child critical illness cover (so that you’re not paying for cover that you don’t need)
  • Consider the extra benefits. Some insurers offer free health and wellbeing services that you can access during your policy term which could be invaluable. You may want to take these into account when choosing the best policy for you

How much is critical illness cover UK?

As with life insurance, how much you pay for critical illness cover varies depending on your personal circumstances and the details of the policy you choose.

The exact cost of your monthly premium will be determined based on various factors, including:

  • Your age at the point of application
  • Your health and wellbeing (including your family medical history)
  • Your lifestyle (for example, your smoking status, alcohol intake and hobbies)
  • Your occupation (certain dangerous professions can affect premiums)
  • Policy type, level of cover and term length

In the table below, we’ve provided some example monthly premiums for life insurance with critical illness cover combined.

Quotes are based on a non-smoker, in good health, taking out a level term policy over 20 years with £50,000 of cover:

Age Legal & General critical illness AIG critical illness LV= critical illness Aviva critical illness
20£8.05£8.75£8.93£9.16
25£11.07£11.56£11.57£11.35
30£14.71£14.90£16.93£14.66
35£20.60£19.87£20.11£19.46
40£28.48£27.92£27.09£27.87
45£40.04£40.51£41.68£39.52
50£61.21£56.07£61.32£57.63

As shown in the table, how much you pay for critical illness and life insurance also varies between different insurers.

For this reason, comparing quotes can help you to find a policy that suits your budget.

Make the most of Reassured’s award-winning comparison service today and find our best critical illness cover deals.

Protect your family with our best life insurance and critical illness cover deals

At Reassured, we can help you compare life and critical illness insurance quotes from a panel of leading UK insurers including AIG, Aviva and Legal & General.

If you need further support choosing the right policy to suit your needs, we also have a team of dedicated experts on hand to answer your questions.

Our award-winning broker service specialises in helping UK families find affordable cover to protect their home and lifestyle if the worst happens.

Critical illness cover with life insurance starts from just £10 a month through us. Simply click through to our online form and fill in your details for our best quotes.

Find Our Cheapest Critical Illness Cover Quotes »

Sources:

[1] https://www.macmillan.org.uk/about-us/what-we-do/research/cancer-statistics-fact-sheet

[2] https://www.stroke.org.uk/stroke/statistics

[3] https://www.bhf.org.uk/-/media/files/for-professionals/research/heart-statistics/bhf-cvd-statistics-uk-factsheet.pdf

[4] https://static.aviva.io/content/dam/document-library/adviser/individualprotection/al50001c.pdf

[5] https://event.covermagazine.co.uk/coverexcellenceawards2024/en/page/2023-winners

[6] https://www.aviva.com/newsroom/news-releases/2024/03/1-18bn-paid-out-on-more-than-50600-aviva-individual-protection-claims-in-2023/

[7] https://www.legalandgeneral.com/insurance/life-insurance/critical-illness-cover/

[8] https://www.lifesearch.com/news-and-opinion/news-room/lifesearch-protection-awards-2024-winners

[9] https://www.legalandgeneral.com/landg-assets/adviser/protection/protection-new/adviser-toolkit/our-claims/2023-claims-statistics-infographic.pdf

[10] https://www.vitality.co.uk/life-insurance/serious-illness-cover/

[11] https://www.vitality.co.uk/about/awards/

[12] https://adviser.vitality.co.uk/media-online/advisers/literature/life/misc/life-claims-benefits-report-2024.pdf

[13] https://www.aiglife.co.uk/customers/products/personal-protection/critical-illness-cover/

[14] https://www.lifesearch.com/news-and-opinion/news-room/lifesearch-protection-awards-2024-shortlist

[15] https://www.ftadviser.com/protection/2024/06/05/aig-life-pays-out-record-394mn-in-protection-claims/

[16] https://www.royallondon.com/insurance/illness-income-protection/critical-illness-cover/

[17] https://adviser.royallondon.com/about-us/our-awards/

[18] https://www.royallondon.com/about-us/media/media-centre/press-releases/press-releases-2024/may/royal-london-paid-a-record-731-million-in-protection-claims-in-2023/

[19] https://www.nfumutual.co.uk/life-cover/term-assurance-with-critical-illness-choices/

[20] https://www.nfumutual.co.uk/news-and-stories/our-awards-and-industry-ratings/

[21] https://www.nfumutual.co.uk/contact-us/what-to-do-if-youre-facing-financial-difficulties-or-are-worried-about-the-cost-of-living/

[22] https://www.scottishwidows.co.uk/life-insurance/products/critical-illness-cover.html

[23] https://www.scottishwidows.co.uk/about-us/who-we-are/awards.html

[24] https://www.scottishwidows.co.uk/about-us/media-centre/press-releases/protection-claims-paid-out.html

[25] https://www.lv.com/life-insurance/life-and-critical-illness

[26] https://www.lvadviser.com/supporting-your-client/why-lv/our-awards

[27] https://guardian1821.co.uk/our-protection/critical-illness-protection/

[28] https://guardian1821.co.uk/about-us/our-awards/

[29] https://guardian1821.co.uk/about-us/news/guardian-paid-over-15-million-of-claims-in-2023/

[30] https://www.zurich.co.uk/life-insurance/critical-illness

[31] https://www.zurich.co.uk/about-us/awards

[32] https://www.zurichintermediary.co.uk/claims

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