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.
There is a minimum premium of £7 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.