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Vitality’s Serious Illness Cover (SIC) covers significantly more conditions than any other provider and stays in place for longer. Here are five interesting facts.

That may have been valid years ago but is no longer the case

'Adjectives such as serious or critical have different meanings to different people'

There is an open conversation to be had with an insurer

Based on diagnosis alone, she would not have got a pay-out anywhere else.

The current regulatory framework simply won’t allow this

Policies are not wasted if customers don’t use them

Customers should not put their health at risk

Scottish Widows' Helen Dick discusses why we should rethink about the benefits of protection