Unum's Elixia 123 includes:
- A simple one-off payment paid 14 days after the critical illness event.
- A guaranteed lump sum that is unaffected by speed of recovery.
- Three categories of critical illness - Life Threatening, Disabling and Traumatic.
- Ability to choose the level of cover for each critical illness category to ensure individuals receive benefit when they need it most.
- Ability to change levels of cover in each category as personal circumstances change.
Elixia 123 Categories
1. Life Threatening
Conditions that we believe may significantly reduce life expectancy and probably result in major lifestyle changes.
2. Disabling
Conditions that we believe may have a significant impact on lifestyle and may have some impact on life expectancy.
3. Traumatic
Conditions that we believe are traumatic and, although not expected to significantly reduce life expectancy, may possibly result in changes to lifestyle.
What does Unum provide?
Who benefits?
Getting further advice