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Combined Life and Critical Illness

Protection for you and your loved ones to minimise the financial impact.

What is Combined Life and Critical Illness cover?

Combined Life and Critical Illness provides cover for you and your loved ones. Protecting you for either death, terminal illness, critical illness or permanent disability which may occur as a result of an injury or illness, whichever may occur first.

Do I need Combined Life and Critical Illness cover?

If your children, partner or other relatives depend on you financially or you cover the mortgage or other living expenses, you should consider Combined Life and Critical Illness for a one-off payment claim to cover you either from death, terminal illness, critical illness and permanent disability.

You can cover yourself with Combined Life and Critical Illness up to the age of 65 for a minimum cover period of five years. You will receive the benefit as a lump sum or with the option of annual income for Personal Insurance.

For Mortgage Protection you have the option to take out single or joint cover, and decide if you want your cover to be level or decreasing, depending on your mortgage type.

Combined Life and Critical Illness is available under our Personal Insurance Plan and Mortgage Protection Plan.

What's included?

Death, terminal illnesses, critical illness and total permanent disability cover

Cover provided for a minimum of 5 years up to age 65

Option to add Waiver Of Premiums

Personal Financial Advice, face-to-face or video appointments

Additional options for Mortgage Protection - single or joint cover and level or decreasing term

Guaranteed option to increase cover as your circumstances change


Finding the right protection for you

Our protection products are designed with clear straightforward terms - and we will be there to offer you a bespoke solution to meet your specific needs. It doesn't have to be expensive either, personal insurance starts from just £10 a month.

You will become part of a mutual organisation whose Purpose is to enrich family and community well-being. We look after our members by helping them save for the future, protect their families, as well as by actively giving back and making a difference in the communities they live in.


And those you love


Supporting you after a claim

You can’t emotionally prepare yourself to cope with a life-limiting illness and there is no manual on how to deal with the loss of a loved one. Whilst we can’t change these events, our protection products offer a Peace of Mind service.

This specialist advice service is staffed by experienced nurses who are on hand to provide expert help and guidance should the worse happen. Additionally a partner and children have access to bereavement counselling service, with up to six sessions at no additional cost.


Free will writing service

You can protect your family further with free personalised online document preparation, where you can create a Will, Power of Attorney, and healthcare directives from the comfort of your own home.

As a member you will have access to this and additional member benefits, such as giving back to the community you live in through volunteer granting applications, joining or even organising Family Fun events, as well as the option for you or your children to apply for a Scholarship and more.


The Peace of Mind service and Foresters member benefits are not regulated and non-contractual nor are they part of the Protection Plan Terms and Conditions. They may be subject to specific eligibility requirements, and they may be amended or withdrawn at any time without notice.


Personal Insurance

Key Features
Terms and Conditions


Mortgage Protection

Key Features
Terms and Conditions

How do I get an insurance quote?

For further information on our protection options, you can speak to one of our Financial Advisers. They’ll explain how they work, which level of cover may be most suitable for you and provide an insurance quote. Fill out our form to request an appointment with one our Advisers. There is no charge for protection advice.  



For more information visit our Glossary of Protection Terms >


We provide cover for a comprehensive range of medical conditions. We follow the model wordings set by the Association of British Insurers (ABI) to specify what is and is not covered under each condition.