Personal protection

Critical Illness+

One less thing to worry about

Helps your clients focus on their health, rather than their finances

Critical Illness+ pays a lump sum if your client is diagnosed with, or undergoes surgery for, one of a range of critical illnesses, as well as paying benefits for a number of more common, and sometimes, less severe conditions. 

This cover can be adapted according to your client's needs and budget by choosing from a different range of options and benefits. 

Children's cover

Critical Illness+ includes valuable cover for your client's children as standard


Includes a range of benefits as standard with the option to include extra cover, such as total permanent disability, for an additional cost

Flexible length of cover

Your clients can choose how long they'd like their cover to last - from 5 to 50 years

What's new?

We've made improvements to our critical illness and life insurance with critical illness cover – making it simpler for both advisers and customers to understand.

Where conditions and criteria for claim align, we've merged definitions to make them clearer. We’ve extended our standard and upgraded children’s benefit to include children under legal guardianship.

We've extended the Life Change Benefit option to including a new rental GIO which allows the life assured to increase cover if their rent is increased or payments increase when moving to a mortgage.

We've changed how we present the critical illness conditions by grouping definitions and streamlining the number of documents needed to give customers a full understanding of the cover available.

Product details

Why Critical Illness+?

The real beauty of Critical Illness+ is its incredible versatility. You can adapt it to match a range of budgets, according to your client's needs.

A range of additional benefits are included as standard, and the option to upgrade critical illness cover and add optional extras for an additional fee such as Global Treatment and Fracture Cover means Critical Illness+ can be adapted to a broad range of clients.

At an extra cost, our critical illness cover can be upgraded to provide some financial protection against even more critical illnesses and conditions. By upgrading, extra options can be added to your client's cover, their children's cover, or both, for even more protection.

Features and benefits

More choice

The ability to select the following allows you to adapt cover to your individual client's needs: 

  • The cover amount and the policy term
  • Level, decreasing or family income cover
  • Guaranteed or reviewable premiums
  • Waiver of premium and renewal options
  • Increasing cover - to help protect against inflation
  • Total permanent disability

Benefits included as standard

Critical Illness+ comes with a wide range of benefits available at no extra cost: 

  • Additional critical illness benefit
  • Children's critical illness benefit 
  • Life change benefit and separation benefit
  • Children's death benefit
  • Children's hospital benefit

Upgrade for even more cover

At an additional cost, customise cover with our upgrade options: 

  • Upgraded critical illness benefit covers a greater number of full payment conditions, additional critical illness conditions, and also includes hospital benefit. 
  • Upgraded children's benefit covers additional children's critical illness conditions, up to £50,000 for conditions under children's extra care cover and advanced illness.

Additional benefits

We offer a range of cover options at an additional cost: 

  • Global treatment
  • Extra care cover
  • Fracture cover

Facts and figures

Cover types


Critical illness cover

Children's benefit

Upgraded children's benefit


Waiver of premium

Max age at entry: 64

We will waive your client's premiums if they are unable to work due to illness or injury.

Your client can choose a deferred period of one, three or six months.

This benefit is available at an extra cost and it will cease when the eldest life reaches age 71, but the policy will continue.


Increasing cover

Max age at entry: 64

The cover amount will increase each year in line with RPI (available with level cover) or by a fixed percentage of 3 or 5% (available with level cover and family income cover). If the cover increases so will the premium. The increase automatically happens on an annual basis. 

When increasing cover linked to RPI is selected, if RPI doesn't go up, neither will your client's cover amount or premium.  

If your client chooses not to accept an increase, then their cover amount and premium will remain the same. 

Please note that in the event of an increase the premium will increase at a higher percentage rate than the cover amount. The maximum the cover amount can increase by is 10% and the premium could increase by a maximum of 15%. 

This is not available with decreasing cover.


Extra care cover        

Max age at entry: 64 

This cover can provide £50,000 if your client is diagnosed with a condition that results in severe and permanent symptoms.  Extra care cover is available at an extra cost.


Total permanent disability

Max age at entry: 64

This option pays the cover amount if the life covered suffers an illness or injury that means they meet either our own occupation or activities of daily work definition. (We'll confirm which definition we'll use for your client). 

This benefit will cease when the eldest life reaches age 71, but the policy will continue. 

Total permanent disability is available at an extra cost.


Fracture cover

Max age at entry: 59

If your client suffers from one of 18 specified fractures, this cover will pay up to £6,000. The benefit will be removed from the policy when your client reaches their 71st birthday, but the policy will continue. Fracture cover is available at an extra cost.


Global treatment      

Max age at entry: 64

Gives your clients and their children access to an expert second medical opinion and overseas medical treatments. The cover renews every 3 years and is available for a few pounds a month. The benefit will be removed from the policy when a life covered reaches age 84.


Renewal option        

Max age at entry: 59

Your client can take out a new policy without providing more health information when their original policy ends. The new policy must end before their 71st birthday, and isn't available if your client has reviewable premiums or the increasing cover option. Renewal option is available at an extra cost.


Support Plus

Looking after your client and their family

When you recommend one of our personal protection policies to your client, you can relax, safe in the knowledge that we’ll be there for them and their families when it really matters.

Of course, this means we’ll be on hand with financial support if the worst should happen. But with our policies, you get so much more than that.

We’re proud of the services we offer. Helping your clients to live more healthily, caring for them through illness and injury, and being there to support them and their family in the event of bereavement.

For more information on any of the services and what's included with your clients' policy, please read our Support Services.

Please be aware that all of the benefits are non-contractual and we can remove them at any time. 


Statistics that speak for themselves.

In 2019, we paid out over £353 million worth of claims on critical illness, children's benefit and total permanent disability, helping 4,957.

The most common reasons for critical illness* claims were: 

Cancer - 66%

Heart attack -11%

Stroke - 7%

Multiple sclerosis - 4%

Benign brain tumour - 2%


The most common cancer types for critical illness* claims: 

Breast – 32.5% 

Prostate/Gynaecological – 13.2%

Gastrointestinal – 10.1%

Haematological – 7.6% 

Skin – 7.5%


*excludes children’s benefit, total permanent disability and partial payment claims


Being there when it matters most

When your clients claim, we do everything we can to reduce their stress and anxiety.

This is an incredibly difficult time. From help with filling out paperwork to answering questions, we'll be there for your clients and their families, when they need us most. 

To make a claim, they can call the team on:

0800 015 1142

Calls may be monitored and/or recorded.


Or, if they can’t face talking about what’s happened, they can get the process started online instead.

Your client can fill in an online form to tell us they need to make a claim.

The tools you need

Tools to help you sell critical illness cover

Easy as 1, 2, 3

Time is precious, especially when it comes to your protection conversations and appointments. Our step-by-step guide has been created to make selling critical illness easier. It's been designed so you can click through to all the documents and videos you need. To make things even simpler, you can see at a glance which items are customer-facing too. Download your copy now and get the tools you need for before, during and after your protection appointments. 


What is protection?

For some people, the concept of personal protection could be completely new. That's why we've created a video that you can share with them before your appointment to give them the basic knowledge they need to have a meaningful conversation.

Watch now

Quote, apply and track cases online

Visit ALPS

Business support

Doing protection business just got easier

We're committed to making it easy to do protection business with us, so we've produced a range of helpful support materials - all designed to save you time.

ALPS tracking guide

Knowing exactly what’s happening with your cases makes life so much easier. Take a look at our guide to learn how tracking can help your business.

ALPS in focus guide

Gain knowledge on what ALPS has to offer you, whilst discovering some of the tips and tricks that could save you time. 

Underwriting centre

Our digital hub contains everything you need to know about our underwriting.

Optional benefits

All available at an additional premium

Global treatment

Global Treatment makes overseas treatment and access to an expert second medical opinion possible at a time when your client will want to explore all the options.

Fracture cover

Fracture cover pays a one-off sum if your client suffers from 1 of 18 specified fractures during a 12 month period.

Extra care cover

An additional £50,000 when critical illness has a prolonged, life changing impact.

Related content

Children's benefit

Designed to provide assistance to families during high impact illnesses.

Life Insurance+

Comprehensive life cover with the flexibility of adding critical illness cover to meet your clients' needs.

Income Protection+

Help protect your client against loss of income due to illness or injury and it’s extra benefits could help your client get back to work. 

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