L&G drops fracture cover in critical illness and income protection overhaul

Increased pay out amounts

Jaskeet Briah
clock • 3 min read

Legal and General Retail Protection (L&G) has revealed that fracture cover is no longer being offered to new applicants or existing plan holders at renewal after making a series of enhancements to its critical illness cover (CIC) and income protection (IP) products.

Under its Critical Illness Extra and Children's Critical Illness Extra plans, L&G has increased the payment levels for both additional payment conditions and children's critical illness. This includes an "improved" additional payment amount of 100% up to the value of £35,000 for Critical Illness Extra from the lower of £35,000 or 50% of the sum insured. The amount payable for Children's Critical Illness Extra has increased to £40,000 or 100% of the sum insured from the lower of £40,000 or 50% of the sum insured, and this has increased to £40,000 or 100% for Children's Terminal Illness...

To continue reading this article...

Join Professional Adviser for free

  • Unlimited access to real-time news, industry insights and market intelligence
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection
  • Members-only access to the editor’s weekly Friday commentary
  • Be the first to hear about our events and awards programmes

Join

 

Already a Professional Adviser member?

Login

More on Your profession

Private markets push meets adviser pragmatism: 'Real shift will come when advisers are empowered, not pressured'

Private markets push meets adviser pragmatism: 'Real shift will come when advisers are empowered, not pressured'

Higher proof-of-value demands and operational challenges keep private markets on margins of UK advice portfolios

Sahar Nazir
clock 19 December 2025 • 9 min read
Feel Good Friday: Tyndall Partnerships supports charity drive delivering Christmas aid to over 500 families

Feel Good Friday: Tyndall Partnerships supports charity drive delivering Christmas aid to over 500 families

Business development exec Lawrence Patrick joined charity The Mehiel Foundation

Professional Adviser
clock 19 December 2025 • 1 min read
Why human connection remains central in a digitally enabled advice sector

Why human connection remains central in a digitally enabled advice sector

'It is clear that the sector is moving through a significant period of transformation'

Tim Riseborough
clock 17 December 2025 • 3 min read