L&G revamps critical illness range

Michael Lloyd

July 29, 2019

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Legal & General has made changes to its range of critical illness plans.

Additional payment conditions within the CI Extra plan has seen the payment level extended to the lower of £30,000 or 50% of the sum insured. Under the children’s CI Extra cover all adult conditions have been included.

Alan Lakey, director at CI Expert, said: “L&G was once a sleepy giant content to pile it high and sell it cheap, but the market has changed, partly due to CIExpert, and the focus is now on building a quality offering whilst retaining a less comprehensive version for those advisers/clients who are persuaded by lower premiums.

“Since 2016 L&G has strived to offer a high-quality product and they show no sign of being content as these improvements indicate.”

Under its 100% payment conditions for core and CI Extra plans two separate conditions – coronary artery by-pass grafts and open heart surgery have been combined into one definition of specified heart surgery.

Furthermore, under its 100% payment conditions for core and CI Extra plans motor neurone disease now incorporates Kennedy’s disease, spinal and bulbar muscular atrophy (SBMA), which previously was included as a separate condition

In addition, under its 100% payment conditions for CI Extra plans only, benign spinal cord tumour cover has been extended to include cysts and brain damage due to Hypoxia/Anoxia now includes traumatic brain injury too.

Under its additional payment condition for CI Extra plans only lower of £30,000 or 50% of the sum insured, drug resistant epilepsy has combined two definitions of surgical stimulation and vagus nerve stimulation into one.

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