LifestyleCare Cover Key Facts

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Minimum term Only available with Whole of Life Cover
Minimum initial amount £10,000
Maximum initial amount Lower of:
  • 100% of Whole of Life cover amount; and
  • £250,000
Minimum entry age next birthday 17
Maximum entry age next birthday 75

Payouts level

Our LifestyleCare Cover pays out if a doctor agrees that you can’t look after yourself. Payout is based on the severity of the condition. There are two levels of payout:

Severity Level Outline Criteria

Severity Level 1
  • 20% of LifestyleCare Cover amount paid out
  • Your remaining Life Cover and LifestyleCare Cover will reduce by the amount of the payout
  • You can only ever receive one payout for a Severity Level 1 claim

 

In order to meet the criteria for Severity Level 1, you must meet one of our definitions of the following conditions:

  • Alzheimer’s Disease - resulting in permanent symptoms
  • Dementia - resulting in permanent symptoms
  • Parkinson’s Disease – resulting in permanent symptoms

Severity Level 2
  • The remaining LifestyleCare Cover amount paid out
  • Once paid, the LifestyleCare Cover will be removed from the plan and the your remaining Life Cover will reduce by the amount of the payout
  • On death, any Whole of Life cover that has not been paid out previously will be paid

 

In order to meet the criteria for Severity Level 2, you must meet one of our definitions of the following three conditions:

  1. Permanent Inability to perform 3 out of 6 tasks designed to assess whether you can look after yourself ever again
  2. Persistent Confusional State
  3. Severe Stroke - resulting in permanent symptoms

Top up your cover again if you need to claim

When you take out LifestyleCare Cover, you can add LifestyleCare Cover Protector for an additional monthly premium. If you add LifestyleCare Cover Protector, we’ll top your total cover back up if you need to claim under LifestyleCare.

You can choose from two levels of cover:

Level 1 Tops up your cover if you receive a 20% payout from yourLifestyleCare Cover.
Level 1 and 2 Makes sure that, even if you need to claim all of your LifestyleCare Cover, the total amount of cover you chose when you took out your plan will be available in full when you die.

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