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Critical Illness

Protecting you and your loved ones against life’s uncertainties. We have paid out every critical illness claim for the last two years.

What is Critical Illness cover?

Critical Illness provides cover, which can help you know your loved ones will be protected should you suffer one of the illnesses defined in our Plan. This includes life changing conditions such as cancer, heart attack and stroke. You will be covered in the case of permanent disability, which may occur as a result of an injury or illness.

Do I need Critical Illness cover?

It’s a good idea to think about how much you would need to live, support your family, or pay your mortgage should the worst happen.

You can cover yourself for 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. You can also decide if you want your cover to be level or decreasing, depending on your mortgage type.

Critical Illness cover is available under our Personal Insurance Plan and Mortgage Protection Plan. You can combine our Critical Illness cover with Life Benefit, find out more >

What's included?

✔ 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 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.



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.