This option allows you to convert your cover to another policy without having to provide new evidence of health. You can use this option at any point over the course of your policy, up until you turn 65.
If you are diagnosed with one of 50 specified serious illnesses during the term of your policy, a lump sum will be paid out. You will also be covered under Partial Payment Specified Serious Illness Cover for an additional 21 specified illnesses.
Serious illness claims can be paid on an accelerated basis (meaning that your total amount of life cover will be reduced by the value of your serious illness claim) or a stand alone basis (where your life cover us unaffected by your claim).