Medical insurance companies. Critical Illness Cover, Life Insurance, Sainsbury s Bank

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Available offer

Double points at Sainsbury’s as long as your policy is valid, when you buy a new life insurance, Decreasing life insurance (with or without Critical Insurance cover) or Over 50s life insurance policy and keep paying your policy premiums‡ Critical illness cover.

Benefits of Sainsbury's Critical Illness Cover

Critical illnesses can happen at any time and could affect your ability to work. If the worst happened, have you considered how your family would manage financially?

For an extra cost you can add Critical Illness Cover when you take out a Life Insurance policy and help protect your family financially. The policy, provided by Legal & General, could pay a cash sum should you die or be diagnosed with a terminal illness or one of our specified critical illnesses during the length of the policy,

The money could help pay your mortgage, private medical treatment or simply be put towards maintaining your family's lifestyle during this difficult time.

Your children are covered at no extra cost – if your child, or future child, is diagnosed with a specified critical illness and is eligible to claim, a cash sum is paid. This could allow you to take some time off work or modify your home (conditions apply).

Accident hospitalisation benefit – if you're admitted to hospital with a physical injury immediately following an accident, and stay for at least 28 days, the policy will pay out £5,000 (conditions apply).

This is not a savings or investment product and has no cash value unless a valid claim is made.

Advances in medicine and technology mean that traditional views of critical illnesses are constantly changing. The critical illnesses covered include heart attack, cancer and stroke. However, some types of cancer are not included and to make a claim for some illnesses, you need to have permanent symptoms. Please read the Policy Summary before you apply.

It's your responsibility to make sure the policy meets your needs. If you require advice please contact a financial advisor. More information can be found in the Policy Summary, this is an important document which you should read before applying.

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Choices

When taking out a policy for Life Insurance with Critical illness Cover, there are various options you can choose to make sure the cover works the way you want.

Level of cover

You can select the amount of cover and how long you'd like the policy to last. Premiums stay the same unless you alter your policy, so you'll always know how much you're paying.

If you're not sure how much cover you need, our online calculator could help you decide.

In the future, you have the flexibility to increase your cover if your lifestyle changes, such as increasing your mortgage or the birth of a child. Terms and conditions apply.

Waiver of premium

You have the option of adding Waiver of Premium for an additional cost. This benefit waives your premiums if you’re unable to work due to incapacity caused by illness or injury. After 26 weeks, you'll no longer need to pay your monthly payments, giving you one less thing to worry about.

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This is not a savings or investment product and has no cash value unless a valid claim is made

It's your responsibility to make sure the policy meets your needs. If you require advice please contact a financial advisor. More information can be found in the Policy Summary [PDF 147KB] this is an important document which you should read before applying.

Offer Terms and Conditions

What is a

A critical illness is a state of severe ill health which is likely to affect your lifestyle. Not all critical illnesses lead to death so it is important to be prepared financially to help during the treatment and recovery period.

Critical Illness cover is designed to pay out a cash sum if you're diagnosed with one of the specified critical illnesses during the length of the policy.

For details of conditions covered by Sainsbury's Critical Illness Cover, please read the specified critical illnesses list. Please note that not all forms of cancer are covered. This is not a savings or investment product and has no cash value unless a valid claim is made (minimum term 2 years).

Could it happen to me?

No one likes to think they could be diagnosed with a critical illness – but it can affect anyone at any age, at any time. Below is some information on a few of the most well known conditions.

Around 1,200 women under 50 die from breast cancer each year

47% of all cases of testicular cancer occur in men under 35

MS is not a fatal condition, around 100,000 people currently live with the disease

Most often diagnosed in people in their 20s and 30s

Every year around 100,000 people have a stroke, that's one every five minutes

Statistics relate to people living in the UK, sources: Cancer Research UK 2013, Department of Health 2013, Multiple Sclerosis Trust 2013 and NHS Choices 2013.

More people are surviving critical illnesses

Advances in medical science and improved hospital care means the number of people surviving critical illnesses has increased over recent years. However, this also means more people may need financial support to help them during their treatment, recovery and in some cases, to help them live with their illness (source: Legal & General 2013).

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It's your responsibility to make sure the policy meets your needs. If you require advice please contact a financial advisor.

Offer Terms and Conditions

Specified

Sainsbury's Life Insurance with Critical Illness Cover, provided by Legal & General, could pay a cash sum should you die or be diagnosed with a specified critical illness during the length of the policy.

Below is the complete list of critical illnesses that the plan covers.

These headings typically use medical terms to describe the illnesses, but in some cases the cover may be limited. For example some types of cancer are not included and to make a claim for some illnesses you need to have permanent symptoms.

Additional cover

Terminal illness cover

It's your responsibility to make sure the policy meets your needs. If you require advice please contact a financial advisor. More information can be found in the Policy Summary [PDF 147KB] this is an important document which you should read before applying.

Offer Terms and Conditions

Quality

Sainsbury's Bank has worked in partnership with Life Insurance and Critical Illness Cover provider Legal & General since 2004 and we're proud of the service they offer.

There for you

If you need to make a claim on your Life and Critical Illness Cover policy you'll benefit from:

UK based call centres – so your claim can be managed efficiently

Single point of contact - a designated member of Legal & General's specialist team will manage your claim

Compassion – claims staff have been trained by The Samaritans to offer exceptional levels of care and sympathy

24 hour help service – there for you when you need it

It's your responsibility to make sure the policy meets your needs. If you require advice please contact a financial advisor.

Fixed term insurance

Offer Terms and Conditions

Important

Things you need to know

Your cover will depend on your individual needs and circumstances and the premium you choose to pay

This is not a savings or investment product and has no cash value unless a valid claim is made

If you stop paying premiums before the end of your plan, your cover will end 30 days after your missed payment

The policy will not pay out in some circumstances, for example if you don't truthfully give us all the information we ask for

Not all forms of cancer are covered

Life Insurance with Critical Illness Cover is provided by Legal & General Assurance Society Limited, Registered Office: One Coleman Street, London, EC2R 5AA (registered in England and Wales no. 166055). Legal & General Assurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register no. 184514). Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc.

It's your responsibility to make sure the policy meets your needs. If you require advice please contact a financial advisor.

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