Key 3 Critical Illness Cover

Key 3 Cover is a simplified critical illness policy that pays a lump sum following the life assured being diagnosed with one of the following illnesses;

  • Cancer
  • Heart Attack
  • Stroke

Although this is a more restrictive policy, these illnesses made up 83.5% of AIG’s claims in 2016. Key 3 Critical illness cover can give you peace of mind by ensuring that your financial liabilities are not affected following your diagnosis.

There are additional benefits that can be included in your policy such as;

  1. Increasing cover – The sum assured can be increased annually to combat the effects of inflation.
  2. Waiver of Premium – Ensures your policy remains in force if you are unable to meet premiums following incapacitation for more than 26 weeks.

It is important to consider carefully how much protection you require.

Critical Illness policies can also include Term Assurance benefits, for more information on the benefits of Term Assurance click the Enquire Now button opposite.

The two examples opposite include Term Assurance and are for policies that require no additional underwriting, so are for healthy individuals with no family histories of illness.

Please note there is no Total Permanent Disability option for Key3 cover.

As these quotes are for a non-smoker the premiums have remained low, however the premiums will be higher for smokers.

A brief video summarising the cover entitled ‘“Key 3 in less than four minutes” can be seen opposite.

*All illustrated quotes are subject to underwriting and not guaranteed

Example 1
25 year old male non-smoker with office job

£25,000 cover for a term of 40 years including:
  • waiver of premium

£8.14 per month

Example 2
40 year old couple, non-smokers, with office jobs

£100,000 cover for a term of 20 years including:
  • waiver of premium

£21.29 per month


We will work closely with you to identify and quantify your financial needs, targets, issues, risks and priorities and produce a comprehensive financial planning report that details a range of recommended solutions - all tailormade to your specific desired outcomes.