Should the worst happen, keeping your family home will be one of your top priorities – and you’re ours. That’s why we’ve teamed up with Legal & General, the UK’s number one provider Link to footnote with over 180 years’ experience, to offer Life Insurance and Critical Illness Cover.
Hitting ‘Get a quote’ will take you to a website hosted by our specially selected provider, Legal & General.
Clydesdale Bank acts as an introducer to Legal & General. Legal & General can’t provide a recommendation as part of their service.
Looking for advice?
To book an appointment with one of our Clydesdale Bank mortgage advisors, email us at: mortgage.query@CYBG.com
 Based on new individual Life Insurance sales in 2019 (Term & Health Watch Report 2020, Swiss Re.)
 The cover will start when a completed application form that you submit online or over the telephone is received. The maximum payment will be the amount of cover you applied for across all applications or £300,000, whichever is lower. Cover will last for 90 days or until Legal & General accept, postpone or decline your application or you notify Legal & General that you no longer wish to proceed, whichever is earliest.
 Legal & General will cover a relevant child (natural child, legally-adopted child or stepchild of the life insured) or any children had in the future if, before the end of the policy, they’re diagnosed with one of the critical illnesses covered, including Additional Cover (except for Total and Permanent Disability). They are covered from when they're 30 days old to their 18th birthday (or 21st birthday if they're in full-time education). See policy booklet for full details of what is and isn’t covered.
 Total claims paid by Legal & General between 2015—2019 across Life Insurance, Critical Illness Cover, Children’s Critical Illness Cover, Terminal Illness Cover and Income Protection.
Life Insurance can help ease the financial burden on your family, should the worst happen.
If you die while covered by a Life Insurance policy, a cash sum could be paid out. You could use that cash sum to pay off your mortgage – in part or in full – or help with other every day money worries like household bills or childcare costs.
You choose the amount of cover you need and how long you need it for (usually based on the value and term of your mortgage) – on a Decreasing or Level Term basis. You can take out Legal & General Life Insurance for yourself, or under joint names.
This is the most common type of Life Insurance used for protecting a mortgage. The amount you’re covered for reduces usually in line with the way a repayment mortgage decreases.
For example: If you choose £100,000 protection over 25 years, your cover would reduce to £0 by the end of the 25 years, in line with your mortgage.
If you're using in connection with a mortgage, just make sure your cover reflects any changes made to your mortgage over time (like the amount or interest rate).
This cover provides a level amount of protection throughout the term of the policy. It is normally associated with an Interest only mortgage where the mortgage amount remains the same over the mortgage term.
For example: If you choose £100,000 protection over 25 years, you’d be covered for this amount until your Life Insurance cover ended.
If you're using in connection with a mortgage, just make sure your cover reflects any changes made to your mortgage over time (like the amount or mortgage term).
If you’re diagnosed with a life-changing illness, you’ll have enough on your mind without having to worry about paying the mortgage. At an extra cost, you can choose to add Critical Illness Cover when you take out Life Insurance, for complete peace of mind – all in one place.
Please note, Critical Illness Cover cannot be added to your policy at a later date.
Critical Illness Cover eases the financial burden placed on you and your family in the face of a life-changing illness. Meaning you can spend more of your time on what’s important – you.
Critical Illness Cover will pay out a lump sum if you’re diagnosed with or undergo a medical procedure for any one of the 38 specified critical illnesses covered by Legal & General during the term of your policy.
See the ‘What’s covered’ section below for the full list. Or view all the definitions and information in our Guide to Critical Illness Cover (PDF, opens in a new window) and Policy Booklet (PDF, opens in a new window).
Below is a full list of the critical illnesses covered by Legal & General. Unfortunately, not everything can be covered. For example, some types of cancer aren’t covered. And to make a claim for some illnesses, you need to have permanent symptoms.
Children’s Critical Illness Cover is automatically included, for free Link to footnote
|Aorta graft surgery||Requiring surgical replacement|
|Aplastic anaemia||With permanent bone marrow failure|
|Bacterial meningitis||Resulting in permanent symptoms|
|Benign brain tumour||Resulting in either surgical removal or permanent symptoms|
|Blindness||Permanent and irreversible|
|Cancer||Excluding less advanced cases|
|Cardiac arrest||With insertion of a defibrillator|
|Cardiomyopathy||Of specified severity|
|Coma||With associated permanent symptoms|
|Coronary artery by-pass grafts||With surgery to divide the breast bone of thoracotomy|
|Creutzfeldt-Jakob disease (CJD)||Resulting in permanent symptoms|
|Deafness||Permanent and irreversible|
|Dementia including Alzheimer’s disease||Resulting in permanent symptoms|
|Encephalitis||Resulting in permanent symptoms|
|Heart attack||Of specified severity|
|Heart valve replacement or repair||With surgery|
|HIV infection||Caught from blood transition, physical assault or accident at work|
|Kidney failure||Requiring permanent dialysis|
|Liver failure||Of advanced stage|
|Loss of hand or foot||Permanent physical severance|
|Loss of speech||Total permanent and irreversible|
|Major organ transplantation||From another donor|
|Motor neurone disease||Resulting in permanent symptoms|
|Multiple sclerosis||Where there have been symptoms|
|Multiple system atrophy||Resulting in permanent symptoms|
|Open heart surgery||With medium sternotomy|
|Paralysis of limb||Total and irreversible|
|Parkinson’s disease||Resulting in permanent symptoms|
|Primary pulmonary hypertension||Of specified severity|
|Progressive supranuclear palsy||Resulting in permanent symptoms|
|Removal of an eye ball||Due to injury or disease|
|Respiratory failure||Of advanced stage|
|Spinal stroke||Resulting in symptoms lasting at least 24 hours|
|Stroke||Resulting in symptoms lasting at least 24 hours|
|Systemic lupus erythematosus||With severe complications|
|Third degree burns||Covering 20% of the surface area of the body or 20% of the face or head|
|Total and permanent disability*||Of specified severity|
|Traumatic brain injury||Resulting in permanent symptoms|
Total and permanent disability is defined in two ways. The definition that applies to you will be shown in your policy booklet and will depend on your occupation, employment status and whether you are paid for work. The full definitions and details on when you can claim are in Legal & General’s Guide to Critical Illness Cover (PDF, opens in a new window) and Policy Booklet (PDF, opens in a new window).
Additional cover is provided for carcinoma in situ of the breast (treated by surgery) and low-grade prostate cancer (requiring treatment). This means that if you meet the definitions, Legal & General will pay out 25% of your cover amount, up to a maximum of £25,000. This additional benefit doesn’t affect your amount of cover of the premiums you’ll pay.
The illnesses covered include cancer, heart attack and stroke, but not all occurrences of these illnesses are covered. For example, cancer needs to have spread or reached a specified severity to be considered under the policy, and for some illnesses you need to have permanent symptoms.
If the person covered has a critical illness, it must be verified by a medical specialist who holds an appointment as a consultant at a hospital in the UK, and whose specialism we reasonably consider appropriate to the critical illness.
Advances in medicine and technology mean that traditional views of critical illnesses are constantly changing. Above is a list of specified critical illnesses covered by our current policies. You won’t be covered if you’re diagnosed with, or undergo a medical procedure for, a critical illness that doesn’t meet the definition. Some elements of cover are restricted based on information provided.
Please remember, the heading of each critical illness is only a guide to what is covered. Further details of how we will consider your claim, including the full definitions we will use and the evidence we will need, are given in the policy booklet, which will be sent to you when the policy starts.
Please remember that Life Insurance isn’t a savings or investment product and has no cash value unless a valid claim is made. And you won’t be covered if your payments aren’t up to date.