We have rebranded Retirement Advantage products as Canada Life. Visit our Retirement Account and Home Finance pages.
Please be aware the Canada Life International offices will be closed from 5pm Friday 21st December, re-opening at 9am on Thursday 27th December. Then closed from 5pm on Friday 28th December and re-opening at 9am on Wednesday 2nd January 2019.

Group Critical Illness

Group Critical Illness provides a tax-free lump sum payment if an employee is diagnosed with a condition covered by the policy and survives for a set period of time.


The diagnosis of a serious illness, such as cancer or heart disease, is a devastating event for thousands of people every year. Our Group Critical Illness product provides both financial and emotional support in the event of a life-changing illness. We hope to deliver much-needed support and stability at a difficult time.

  • 13 core illnesses covered by every policy
    • Alzheimer’s disease
    • Cancer
    • Cardiac Arrest
    • Coronary artery bypass grafts
    • Creutzfeldt-Jakob disease (CJD)
    • Dementia/pre-senile dementia
    • Heart attack
    • Kidney failure
    • Major organ transplant
    • Motor neurone disease
    • Multiple sclerosis
    • Parkinson’s disease
    • Stroke
  • There is an option to add an additional 28 illnesses to the policy
  • A range of cover options are available, with a lump sum payment of up to £500,000
  • Children’s cover is on every policy with an option to cover spouses and civil partners
  • We also offer a range of support services at no additional cost.

    These include:

The following support services are provided at no additional cost with our Group Critical Illness policies.

Second Medical Opinion

  • An expert second medical opinion service
  • A leading specialist will provide a second opinion on an employee's diagnosis and treatment
  • Available to all members of the policy and their immediate families

Treatment Sourcing

  • Treatment Sourcing assists in the purchase of private healthcare
  • They will negotiate a competitive fixed price package to suit individual needs
  • Available to all UK-based employees of the policyholder and their immediate families

Personal Nurse Service

  • Personal Nurse Service provide practical and emotional support through a Personal Nurse Adviser
  • A Personal Nurse Adviser is available for as long as they are needed
  • Available to any claimant and their immediate family

We've put in place a simple and fast process for making a claim on your Group Critical Illness policy.

Here we'll tell you how to make a claim and how long the process will take. We'll also provide answers to some common questions about making a claim.

Make a Claim

More information can be found in our online technical and process resource, "How it Works".

Adviser: Please speak to your account manager or contact us on 0345 223 8000.

Employer: We recommend seeking independent financial advice regarding employee benefit decisions. If you need a financial adviser, you can find one locally by visiting www.unbiased.co.uk.

Employee: If you are interested in the benefits of a Group Critical Illness policy, speak to your manager or HR representative.

This website is for UK professional advisers only and is not approved for use by private customers.

Canada Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Canada Life International Limited and CLI Institutional Limited are Isle of Man registered companies authorised and regulated by the Isle of Man Financial Services Authority.

Canada Life International Assurance (Ireland) DAC is authorised and regulated by the Central Bank of Ireland.

Stonehaven UK Limited and MGM Advantage Life Limited, trading as Canada Life, are subsidiaries of The Canada Life Group (U.K.) Limited. Stonehaven UK Ltd is authorised and regulated by the Financial Conduct Authority. MGM Advantage Life Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority.