Adviser guide
This guide is for adviser use only. Not to be shown to retail customers.
Assurance with
YourLife Plan Term
Critical Illness Choices
We're about customers, not just a long list of conditions.
Smart Health
Grouped conditions
Our approach
Children’s cover
Main cover
Your guide to Critical Illness Choices
That's why our insurance is flexible. So you can personalise protection for your client, their family and their budget.
your clients' needs.
cover, designed to suit
Quality critical illness
Main cover.
The clue's in the name.
Critical Illness Choices comes with two options to suit your clients' needs.
Find out what's covered
Enhanced critical illness cover
Core critical illness cover
Help your client choose the right cover.
Everyone's different. We get it. That's why we've designed personalised cover that works for your clients' needs, priorities and budgets.
This accounts for 95% of the conditions people claimed for in 2022*. So for clients on a tight budget, it's a no-brainer.
Core: our best value cover
Choose to add Enhanced cover. It insures your clients for a further .
Enhanced: our broadest cover yet
50+ conditions
Your clients can add Total Permanent Disability cover, Waiver of Premium and, of course, children's cover – as and when they need it.
Extra options
*AIG Claims stats 2022
Offering quality cover with our best value, it covers the equivalent of
Our Core critical illness benefit is split into group one and group two. Each group provides cover for different conditions, with different payment amounts.
an additional payment of 25% of the sum assured or £25,000, whichever is lowest will be paid
Core cover includes everything you'd expect.
over 45 conditions
.
the full sum assured will be paid out
23 full pay out conditions 2 additional payment conditions = lower of 25% of the sum assured or £25k
Core cover
+ + +
Equivalent to over 45 conditions
Cover impact rather than condition Future-proofed Better customer outcome
4 grouped conditions covering 21+ conditions:
2 additional payments:
Cancer in situ of the breast Low grade prostate cancer
+ +
Find out more about what we cover.
+ For group
one conditions
two conditions
Enhanced cover is our broadest yet.
Our Enhanced critical illness cover is split into three types of benefit:
pregnancy cover. All with higher pay-outs.
over 50 conditions
, as well as
All the bells and whistles. Everything in Core, plus added cover for the equivalent of
an additional payment of £35,000 or the full sum assured, whichever is lowest, will be paid
an additional payment of £5,000 per pregnancy for one of the specified conditions and £5,000 for foetal death in utero
cover
+ Pregnancy
30 full pay out conditions (23 Core and 7 Enhanced) 18 additional payment conditions = lower of 100% of the sum assured or £35k 6 pregnancy cover conditions = £5k Equivalent to over 95 conditions
+ + + +
Includes impact based group conditions and associated benefits.
Enhanced cover
For clients who are parents or parents-to-be, we'll help you have the right conversations.
Children's cover.
Both levels include hospitalisation benefit and child life cover for any child, up until the age of 22.
Just for kids.
Children's cover is such an important part of any critical illness product. So we've made it for parents or parents-to-be to add it, regardless of the option they've taken for themselves.
Core children's cover
Enhanced children's cover
Kids' health is at the top of any parent’s priority list – so we've kept this in mind when designing children's cover.
easy
The child cover option available depends on the adult level chosen.
Core children's cover.
Be confident you're recommending quality cover for your clients' families, no matter what their budget.
£5,000 will be paid out
+ Child life cover
£25,000 or 50% of the sum assured, whichever is lower, will be paid out
conditions
+ Group one
£25,000 or 25% of the sum assured, whichever is lower, will be paid out
+ Group two
Core children's cover is split into four types of benefit:
If a parent has more than one cover, this is the maximum we’ll pay for each child. If each parent has their own cover, we’ll pay a claim on each parent’s cover.
benefit
+ Hospitalisation
7 Group 1 conditions 16 Group 2 conditions
£100 per night from the seventh consecutive night, up to a maximum of 30 nights.
3 out of 4 child CI claims in 2022 were covered by Core conditions.*
*AIG claims statistics 2022
Equivalent to over 49 conditions
The pay-out for children's critical illness group one and group two conditions will be doubled if the child is unable to receive effective treatment for the condition in the UK and a prescribed treatment is available overseas.
Enhanced children's cover.
including cover for physical birth defects – the first of its kind.
over 75 conditions
This covers the equivalent of
,
Enhanced children's cover is split into five types of benefit:
£50,000 or 50% of the sum assured, whichever is lower, will be paid out
£10,000 will be paid out
£100 per night from the seventh consecutive night, up to a maximum of 30 nights
Overseas treatment
Equivalent to over 75 conditions
Enhanced children’s cover
+ Birth defect
11 Group 1 conditions 33 Group 2 conditions 2 x pay-out if treatment required abroad
Value, flexibility and fairer customer outcomes.
Our approach to critical illness.
Less is more. Grouping conditions means broader cover and fairer customer outcomes.
Grouped conditions.
Our grouped conditions.
We've included umbrella conditions you'll be familiar with – easy to explain, and even easier for your client to understand what they're covered for.
The whole idea behind grouped conditions is to make critical illness cover
simple
By focusing on specific surgeries or the impact on daily life, not the name of a condition, your client will be covered – whatever the name of the illness.
Surgery via the skull
Friedeich's ataxia
Click the buttons to read some examples of how all this makes our critical illness cover fairer.
Neurodegenerative disorder is an umbrella term for a range of conditions, which primarily affect the neurons in the brain. These disorders are incurable conditions that result in progressive degeneration of nerve cells.
Conditions that can lead to the heart stopping pumping blood around the body properly.
Covers surgical procedures to the heart including thoracotomy (a medical term for the group of surgical procedures to gain access to the chest), coronary artery bypass grafting and other heart surgery as specified including to the aorta (the largest artery in the body) and pulmonary artery (which carries blood from the heart to the lungs). This also includes surgery to implant medical devices that help support heart function and blood flow.
The undergoing of (or inclusion on, an official waiting list for) surgery requiring craniotomy (the making of an incision in the scalp and creating a hole known as a ‘bone flap’ in the skull) or craniectomy (a similar procedure where the ‘bone flap’ is permanently removed or replaced later) or other surgery via the skull as specified.
Example one
Our product's outcome
With our degenerative neurological disorders group, claims for MND and Friedreich's ataxia would both be valid – it's the impact on the customer that matters, not the cause. We level the playing field for all degenerative neurological disorders, whatever they're called and however uncommon they are.
Friedreich's ataxia is a genetic disease that causes progressive nervous system damage and movement problems. It's thought to affect around one in every 50,000 people*. There are currently limited treatment options for the disease, and no cure.
Friedreich's Ataxia
*Source: www.nhs.uk/conditions/ataxia/symptoms
Tell me more
A degenerative neurological disorder primarily affects the neurons in the brain. Well known examples include Alzheimer's disease, Motor neurone disease (MND) and Parkinson's disease, but there are many more. Some symptoms are similar to those experienced by people suffering with MND. So it doesn't seem quite right that critical illness cover would treat a person with MND in one way (and pay a valid claim) and a person with Friedrich's ataxia in a different way (declining the claim as it's not a named condition).
Surgery via the skull to fix a medical problem is a serious operation. It may be performed to treat brain tumours, epilepsy, abscesses or blood clots. Some insurers pay if a customer is diagnosed with a named condition resulting in surgery via the skull. But pay-outs vary depending on the named condition.
With our grouped conditions, pay-outs are based on the severity of the procedure and the resulting impact on the customer. So all surgeries to the skull are treated the same, whatever the reason for them. Our broad coverage also includes surgical treatments that are typically only performed in the most severe cases of a particular condition. That includes:
Deep brain stimulation to treat epilepsy or dystonia Microvascular decompression surgery to treat some severe neuralgias Cerebral artery bypass surgery which is the equivalent of a coronary bypass in the heart and can prevent strokes
Example two
It's simple: if the impact is the same, you're covered – whatever the name of the condition.
Click the button to read more about Impact-based definitions in action.
Covering more conditions, even if they’re not listed Keeping up with new medical developments Fairer outcomes and more chance of a successful claim
Impact based cover
That's why our cover focuses on the impact, rather than the cause. We've combined 20 conditions into four groups,
, rather than the cause of an illness,
focusing on the impact
without reducing
– making it fairer when it comes to claim.
Our groups are focused on specific surgeries or the effect the medical condition has on your client. This adds up to broader and fairer cover, even though the 'condition count' might be lower. By
pay-outs are based on the severity of the condition or procedure and the resulting impact on your client’s life.
In March 2022, Scott suffered a brain injury after being kicked in the head whilst playing football – just three months after taking out his Critical Illness Choices policy. The day after, he went to his GP with headaches and dizziness and was sent for a head CT. The scan showed a brain bleed and within two weeks he was having a craniotomy (brain surgery). He had right leg weakness following the surgery but this improved quickly and was not expected to be permanent. He would therefore not have met a more traditional brain injury definition (which requires permanent neurological deficit).
Impact-based definitions in action
Our switch to impact-based definitions meant we were able to support Scott when he needed us most. Brain surgery, regardless of the cause, meets our criteria under our Surgery via the skull definition, giving Scott simplicity and certainty in the outcome – helping him live a better life.
Meet
AIG real-life case study - March 2022. Image shown is for illustration purposes and the customer's name and photo have been changed to protect their identity.
Our impact-based groups mean cover keeps pace with new medical developments. If a new degenerative neurological condition is discovered tomorrow, you won't need to worry; your client is still covered through our impact-based groupings.
The symptoms of Devic's disease are similar in impact to multiple sclerosis (MS). As medical research progressed and evolved, Devic's disease became classified as a condition in its own right. But that meant customers who'd purchased their cover before then wouldn't have Devic's included as a named condition in their policy. New customers would benefit from coverage only if they chose a policy with Devic's as a named condition. But would they know to look for it?
Forward-thinking cover, for a better tomorrow.
Keeping pace with the future.
Let's look at a case when a medical development affected critical illness cover:
Award-winning Smart Health , valued by customers at £43 per month , is included at no additional cost for every one of our critical illness customers. It's also available to partners and children up to age 21 so it really is there for the whole family.
Giving your clients value from day one.
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Smart Health is provided to AIG Life Limited customers by Teladoc Health. We want to let you know that these services are non-contractual, which means they don’t form part of your insurance contract with us. If our partnership with Teladoc Health ends, these services could be changed or withdrawn in the future. AIG Life commissioned research, ID Consulting, January 2020: 2000 sample size.
Quality critical illness cover, designed to suit your clients' needs.
Nutrition plans
Second medical opinions
Health checks
Access to health and wellbeing advice 24 hours a day, 365 days a year.
On-demand GP appointments
Mental Health support
Smart Health from day one.
Personalised fitness plans
unlimited
It's and available to your clients, their partner/spouse and children (up to age 21), even if the children's cover option isn't chosen – .
And the support doesn't stop there. We've got your clients’ backs after claim too – they can still use the experts at Smart Health for a second medical opinion for three years to manage the after-effects of treatment.
all at no extra cost
EDCO 3920-1123
AIG Life Limited. Telephone 0345 600 6820. If calling from outside the UK, please call +44 1737 441 820. Registered in England and Wales. Number 6367921. Registered address: The AIG Building, 58 Fenchurch Street, London EC3M 4AB. AIG Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The registration number is 473752.
Thank you for reading.
Contact our sales team at sales@aiglife.co.uk or by phone at 0345 600 6829 to learn more.
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