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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. Combined cover will protect you in the event of; terminal illness, critical illness, permanent disability (as a result of injury or illness) or your death -whichever may occur first.

Do I need Combined Life and Critical Illness cover?

Combined Life and Critical Illness cover may be for you if your loved ones rely on your financial support or if you have a mortgage. This will provide your family with a one-off payment claim to cover you in the event of you being affected by a specified illness, permanent disability, or if you pass away.

You can cover yourself with Combined Life and Critical Illness up to the age of 65 for a minimum cover period of five years. Your loved ones 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. You can also 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. 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'll be joining a mutual organisation whose purpose is to enhance family and community well-being. We support our members by helping them in save for the future and protecting their families. And we actively give back and make a difference in the communities they live in.



And those you love


Supporting you after a claim

You can't prepare yourself for the emotional challenges of a life limiting illness, and there's no manual on how to deal with grief. 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 offer expert help and guidance. Should the worst happen, your partner and children will have access to bereavement counselling with up to six sessions at no extra cost.


Free will preparation service

You can protect your family with a free, personalized online document preparation service. From the comfort of your own home, you can create a Will, Power of Attorney, and healthcare directives.

As a member, you have access to thisbenefit and more. This includes helping your local community through volunteer grants, taking part in or organising Family Fun events. There's also the opportunity for you or your children to apply for scholarships.


Please note: The Peace of Mind service and Foresters member benefits are not regulated, non-contractual, and are not part of the Protection Plan Terms and Conditions. They may be subject to specific eligibility requirements and can be amended or withdrawn without notice.


Description of member benefits that you may receive assumes you are a Foresters member. Members must be 18 years of age or older and must have an active Foresters Plan and maintain it in good standing. Foresters member benefits are non-contractual, subject to benefit specific eligibility requirements, definitions and limitations and may be changed or cancelled without notice. Member benefits are not regulated by the Prudential Regulation Authority or the Financial Conduct Authority and may change in the future.



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.