THE MARKET AT A GLANCE.

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1 1 BUSINESS PROTECTION SETTING UP BUSINESS PROTECTION POLICIES CRITICAL ILLNESS COVER COMPETITOR COMPARISON THE MARKET AT A GLANCE. We believe our Critical Illness Cover offers a competitive alternative to other solutions available today. This guide provides a quick-reference feature-by-feature comparison of the Critical Illness market. This is not a consumer advertisement and should not be relied upon by private investors or any other persons for making financial decisions.

2 CRITICAL ILLNESS COVER Legal & General AEGON AIG Aviva Bright Grey Friends Life LV= Most Common Conditions Cancer ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI Heart attack ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ Multiple sclerosis ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI Stroke ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ Heart related conditions Aorta graft surgery ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ Cardiac Arrest Cardiomyopathy Coronary artery by-pass grafts ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ Heart valve replacement or repair ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ Open heart surgery Primary pulmonary hypertension Neurological conditions Alzheimer s disease ABI+ ABI+ ABI+ Benign brain tumour ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ Creutzfeldt-Jakob Disease (CJD) Dementia 1 1 Encephalitis Motor neurone disease ABI+ ABI+ ABI+ ABI+ Multiple system atrophy Parkinson s disease ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ Progressive supranuclear palsy

3 Legal & General AEGON AIG Aviva Bright Grey Friends Life LV= Immune system conditions Aplastic anaemia Systemic lupus erythematosus Disease and infection Bacterial meningitis HIV infection ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ Accident or disability Blindness ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ Coma ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ Deafness ABI+ ABI+ ABI+ ABI+ Loss of hands or feet ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ Loss of speech Paralysis of limbs ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ Removal of an eyeball Additional payment only Third degree burns ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ Total and permanent disability 6 6 ABI+ 3, Traumatic brain injury Organ failure Kidney failure Liver failure Major organ transplant ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ ABI+ Respiratory failure Other Spinal Stroke Terminal illness ABI+ ABI+ ABI+

4 Legal & General AEGON AIG Aviva Bright Grey Friends Life LV= Additional payment conditions Ductal carcinoma in situ 25%/ 25,000 20%/ 20, %/ 12,500 25%/ 25,000 25%/ 25,000 25%/ 25,000 25%/ 25,000 20%/ 15,000 25%/ 25,000 20%/ 15,000 Lobular carcinoma in situ 25%/ 25,000 20%/ 20, %/ 12,500 25%/ 25,000 25%/ 25,000 25%/ 25,000 25%/ 25,000 25%/ 25,000 20%/ 15,000 Low grade prostate cancer 25%/ 25,000 25%/ 25,000 25%/ 25,000 25%/ 25,000 25%/ 25,000 25%/ 25,000 25%/ 25,000 20%/ 15,000 25%/ 25,000 20%/ 15,000 Number of total additional payments included Total conditions covered (including TPD) Total ABI+ definitions General Children s Critical Illness Cover 50%/ 25,000 50%/ 25,000 50%/ 25,000 50%/ 25,000 50%/ 20,000 50%/ 25,000 50%/ 25,000 50%/ 20,000 50%/ 25,000 50%/ 25,000 Claims notification period NONE ASAP ASAP NONE NONE ASAP ASAP 13 WEEKS ASAP 6 MONTHS Split sums assured (accelerated CIC) 5 Split sums assured (additional CIC) 5 General CIC exclusions Source: company literature, correct as at November Legal & General accepts no responsibility for the way we have interpreted other provider s information. 1 Covered under Alzheimer s Disease consecutive days requiring mechanical ventilation. 3 ABI+ for suited occupation and work tasks definitions only. 4 Definition covers treatment by mastectomy only. 5 Split sums assured is defined as being able to provide different amounts of cover for term and CIC within the same application. Source: quotes from The Exchange. 6 Total & Permanent Disability is available on an optional basis. 7 Additional benefit of 5, Less advanced cancers additional payment includes 20 in situ cancers..

5 Find out more about our Critical Illness Cover plans protection/our-products/critical-illness-cover Legal & General Partnership Services Limited Registered in England and Wales No Authorised and regulated by the Financial Conduct Authority. Legal & General Assurance Society Limited Registered in England and Wales No Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered office for both firms: One Coleman Street, London EC2R 5AA W /15

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