Critical Illness Cover

One less worry when your health has to take priority.

Critical illness insurance pays you a cash sum if you meet the definition of one of the critical illnesses covered by the policy and survive for 10 days.  The money could help you keep up with your monthly bills if you need to take time off work, or cover costs related to your illness or treatment.  It could even help pay for adaptations to your home.

We have partnered with Embrace Financial Services to offer Legal & General Critical Illness Cover alongside your mortgage.

You can find out the cost of critical illness insurance with a personal illustration. Book an appointment with an Embrace Financial Services financial consultant today by calling them free on 0800 056 4508^ or you can fill in the protection enquiry form on this page.

Legal & General’s flexible Critical Illness Cover offers:

  • Children’s Critical Illness Cover as standard. Terms and conditions apply.
  • Legal & General will pay your lump sum payment early if you’re diagnosed with a terminal illness that meets the policy definition during the term of the policy and you’re not expected to live longer than 12 months. Once payment is made your cover will end and no further claims will be paid.
  • Additional benefits are included at no extra cost, such as Free Life Cover and Accidental Death Benefit.
  • When you take out a Protection policy through Embrace Financial Services, they’ll send you a £50 e-gift. From a choice of, Argos or John Lewis. Find out more here.

Please note this information is a summary only. Terms and conditions apply and you will receive a full policy summary and conditions when you apply for cover.

Protection enquiry

By talking to an Embrace Financial Services financial consultant you will get a clearer picture of your protection needs. Fill out the form below and they will contact you to book an appointment.


We will use your information in order to arrange for Embrace Financial Services to respond to your enquiry.  For more information please visit our Privacy Notice.

Complementary wellbeing support from day 1 of your cover

When you buy Legal & General Life Insurance you’ll have access to the Wellbeing Support Service offering help, information or a conversation, they are here to help.

  • Support and help from a dedicated nurse can range from a reassuring chat, information, advice and guidance, to a clinical assessment and organising additional services.
  • Phone based service with calls as often as you need.
  • You don’t need to make a claim on your policy to get the help you need, you can get in touch with your nurse directly.
  • For the policyholder, their partner and their children living at home.
  • Support is included as standard from day one of your policy.


Your Move will receive a referral fee from Embrace Financial Services. Embrace Financial Services do not charge a fee for providing advice and recommendations in relation to insurance products. They will receive commission from the insurer; the amount of the commission will be a proportion of the premiums you pay for your insurance product. 

^ Calls may be recorded and/or monitored for training and/or data protection purposes.