Almost 90% of all Legal & General’s critical illness claims are for cancer, heart attacks, strokes and multiple sclerosis so it has decided to make enhancements to its plans to help more people claim for these conditions.
L&G has also updated its definitions for blindness, deafness and carcinoma in situ of the breast within its CIC plans.
To help advisers explain to customers definitions of critical illnesses and what they would be covered for, Legal & General has developed an online interactive body tool ‘AnatoME’.
Russell Whitworth, underwriting and claims director at Legal & General Assurance Society, said: “Choosing the right critical illness policy can be a real challenge for customers. There are now so many different policies on the market with differing terms, definitions and levels of cover that consumers may be confused or put off from taking out cover altogether – even with the help of a broker or adviser.
“Legal & General’s new broader cover and user-friendly interactive body tool ‘AnatoME’, will help make critical illness cover easier to understand and by enhancing the definitions for the top four reasons people claim, this will help make life better for the greatest number of our customers.”