Critical Illness Policy

For the majority of people their income is of paramount importance to them and their families, it is this income that has kept a roof over their heads and food on the table.

If you were unable to work due to a serious illness, how would you maintain a standard of living for you and your family without your income?

Huge advances in medical techniques have eliminated many of the major causes of early death, but with thousands of people still suffering serious illnesses such as cancer and heart attacks every year the need to make provisions is ever increasing.

At NFU Mutual we can help to reduce the financial burden with a Critical Illness Policy, which will pay out a lump sum, if, during its term, you are diagnosed with one of the critical illnesses defined (assuming premiums are up to date). We guarantee your agreed premiums will not rise irrespective of changes in your health.

How much could it cost?

An example of the monthly premiums for £50,000 cover for 10 years (accepted on standard rates). These figures are estimates only; the actual premium will depend on your individual circumstances.


Age (next birthday)	Male Non-smoker	Male Smoker	Female Non-smoker	Female Smoker
25	£6.96	£10.10	£6.43	£7.50
30	£8.70	£14.47	£9.36	£11.10
35	£12.08	£23.30	£14.70	£17.95
40	£18.35	£38.23	£21.43	£27.60

NFU Mutual Financial Consultants can advise you on the length of cover you may require and recommend an appropriate amount of cover, dependant on your circumstances.

Exclusions can apply.

We only cover the critical illnesses as defined in our policy and no others. These include: cancer (excluding less advanced cases); heart attack (of specified severity); stroke (resulting in permanent symptoms), and total permanent loss of independent existence. You can find full details of the illnesses and conditions we cover by asking for our Key Features.

Critical Illness Policy FAQs

Find out more information with our Critical Illness Policy Frequently Asked Questions.

Frequently Asked Questions

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