Assura Protect Term Life with Critical Illness
Date Reviewed: 22.05.2019
What are the minimum and maximum acceptable age at commencement when applying for Assura Protect Term Life with Critical Illness?
Assura Protect will cover you under this policy if you and/or any family members:
- permanently reside in the United Kingdom; and
- you are aged between 18 and 55 at the effective date and your partner/spouse are between the age of 18 years and 55 at the effective date.
Policy can be renewed up to the age of 68. Critical Illness benefit stops at the renewal age of 61.
What is the minimum policy term for Assura Protect Term Life with Critical Illness?
This policy lasts for a period of 12 months from the start date and is reviewable annually. If you keep the policy for 5 years we guarantee we will not change the premium in that period, unless you make any alterations to the policy. For any review after the first five years, Assura Protect may change the premium. Additionally, they may change the conditions of your cover at any time, though generally this is only done at the annual review, and If they do, they will explain any changes we have made.
All cover will end when:
you die;
- your policy is due for renewal after you reach the age of 68;
- you stop permanently residing in the UK;
- you or we cancel this policy as shown in the Section" Cancelling your Term Life and Critical Illness cover"; or
- you stop paying your premium or your outstanding premium, whichever is earlier.
What is the minimum sum assured for Assura Protect Term Life with Critical Illness?
Not applicable
What is the maximum sum assured for life cover only and where accelerated CIC is included for Assura Protect Term Life with Critical Illness?
Life Cover
The Life Cover provides a guaranteed cash sum up to a maximum of £100,000 if you die during the term of cover. If you are aged over 55 at the time of death then Assura Protect will only pay up to a maximum lump sum benefit of 50% of the sum assured on your Schedule of Insurance.
In the event of a Critical Illness claim, Life's sum assured will be reduced. The Critical Illness lump sum will be deducted from the Life sum assured. The remaining sum assured will be paid out to you in the event of your death during the lifetime of the policy.
Is there an additional critical illness cover for Assura Protect Term Life with Critical Illness?
No
What is the minimum acceptable monthly premium for Assura Protect Term Life with Critical Illness?
Not specified
What are the additional benefits with Assura Protect Term Life with Critical Illness?
Fracture Cover – No
Donor Cover - No
Other benefits - Benefits in relation to children - No
Sum assured in instalments – No
Large case discount available - No
What is the total number of critical illnesses conditions covered by Assura Protect Term Life with Critical Illness?
There are 8 critical illness conditions covered:
- Bacterial Meningitis - resulting in permanent symptoms
- Cancer - excluding less advanced cases
- Coronary Artery by-pass grafts - with surgery to divide the breastbone
- Heart Attack - of specified severity
- Kidney Failure - requiring permanent dialysis
- Major Organ Transplant - from another donor
- Multiple Sclerosis - with persisting symptoms
- Stroke - resulting in permanent symptoms
What are the exclusions applicable to critical illness cover with Assura Protect Term Life with Critical Illness?
Not applicable
Would I be excluded from Assura Protect Term Life with Critical Illness if
I worked in armed force - No
I had a pre-existing condition - Assura Protect will not be liable for any claim directly or indirectly caused by a pre-existing condition.
Are there Virtual GP Services for Assura Protect Term Life with Critical Illness?
No
Are there any claims support services for Assura Protect Term Life with Critical Illness?
A claims support service is not available.
What can you get in terms of Health & wellbeing services with Assura Protect Term Life with Critical Illness?
No health and well-being services are available under the plan.
To find out more about Assura Protect and our other Life insurance providers call us today on 0800 862 0373 or get a quote now.
* Information about Assura Protect Term Life with Critical Illness product is provided by Defaqto and is correct as of the review date stated
