Bright Grey – critical illness cover features, benefits and options

Critical Illness Cover - features, benefits & options

Our Critical Illness Cover features, benefits and options includes:

Children's Critical Illness Cover
35 critical illnesses covered
Only 1 standard exclusion
Mortgage Guarantee Option
Joint Life Separation Option
Joint Life Reinstatement Option
Instant Cover
Helping Hand

Term of cover

5 - 40 years

Basis of cover

Single life or joint life first event

Guaranteed or reviewable payments

Reviewable

Maximum amount of cover

£1,000,000

Minimum age when cover starts

18 attained

Maximum age when cover starts

64 attained

Maximum age when cover ends

74 attained

Payment of cover

Lump sum
Level
Decreasing
Increasing

Income
Level
Increasing

Exclusions

Intentional Self-inflicted injury (on
critical illness and TPD claims)

Decreasing cover can be:

decreasing at a rate of interest chosen by your clients (between 0 and 15%)
guaranteed to pay off the outstanding mortgage regardless of the change in interest rates during the term of the plan.

Increasing cover can be:

a fixed rate between 2% and 5%
a rate based on the change in Retail Prices Index (between 2% and 10%)

Download our 'plan details for the Personal Protection Menu' PDF

Size: A5 - 52 pages - 265kb

Online publication date: Apr 10

Bright Grey is a division of The Royal London Mutual Insurance Society Limited
which is authorised and regulated by the Financial Services Authority No. 117672.
Group registered VAT number 368 5244 27.