Critical Illness

Overview

We understand that money can't cure, but we do appreciate that it can help care. With advances in medicine increasing survival rates, the diagnosis of a major illness could mean that you are unable to work and your main source of income ceases.

With our Life Protection Critical Illness Cover plan, you can receive up to £300,000 if you are diagnosed with a specified critical illness covered under this policy, subject to your income and other cover held or being applied for with MetLife.

At a Glance

• Provides a cash sum payment to help protect you if you are diagnosed with a specified critical illness

• Cover between £1,000 and £300,000, subject to your income, other cover held or being applied for with MetLife and the minimum premium

• Payments are tax-free though may be subject to inheritance tax if the payment is made after your death

• You are covered 24 hours a day, 365 days a year once you are accepted for cover.

Please read our Key Points to Note section.

Key Points to Note

• The policy does not have a cash surrender value
• There is a minimum premium of £10 per month per policy
• Where a policy is written under trust, the critical illness benefit will be paid to the trustee
• The policy is fully underwritten and subject to medical acceptance
• You do not need to remain a permanent resident in the UK in order to receive benefits under our Life Protection policy, but should you become a permanent resident in a country instructed by the Office of Foreign Assets Control (OFAC) United States Department of the Treasury as being subject to sanctions, your policy will terminate immediately without any value
• All premiums and benefits must be payable in Sterling from and to a UK bank account
• To make a claim for a specified critical illness or total permanent disablement, the claim must be supported by a diagnosis confirmed by a registered medical practitioner in one of the acceptable countries as specified within the policy terms and conditions
• Benefits are fixed and do not increase in line with inflation. Inflation may erode the buying power of your benefit
• Diagnosis of a specified critical illness during the first 60 days after the policy start date is not covered
• The policy does not provide benefit if the diagnosis arises directly or indirectly from HIV infection
• In order for critical illness benefit to be payable, you must survive for at least 14 days
• When selecting term length, cover must end on or before your 65th birthday.