Sources#

Source ids, titles, publishers, URLs, access dates, and retrieval markers are carried over verbatim from _research/critical-illness.md (the citation ground truth for [S#]/[R#] tags). Ids are never renumbered. Sources from the research file that are not cited in product-spec.md or technical-notes.md are omitted (dropped here: R11). No new sources were fetched at drafting; nothing is marked “added at drafting”.

Access date for all citations: 2026-08-03.

Primary product sources [S#]#

S2. Legal & General — adviser Critical Illness Cover product page#

  • Publisher: Legal & General

  • Doc type: technical guide / adviser product page

  • URL: https://www.legalandgeneral.com/adviser/protection/products/personal-protection/critical-illness-cover/

  • Fetched: YES (HTML, summarised by fetch tool — product limits)

  • Caveat carried over: the adviser-page numbers (max sums assured £2m/£3m, min term 2 years for some options) come from a fetch-tool summary of a JS-heavy page; plausible but not verified against a second document.

S4. Aviva — “Critical Illness+ — Policy Conditions” (AL51002, 04/2025)#

  • Publisher: Aviva Life & Pensions UK Limited

  • Doc type: policy conditions

  • URL: https://static.aviva.io/content/dam/document-library/adviser/individualprotection/al51002c.pdf

  • Fetched: YES (PDF, 47 pp., full text extracted; WebFetch was 403 — retrieved via direct HTTPS GET)

S5. Aviva — “Policy Summary of Critical Illness+” (AL51001, 04/2025)#

  • Publisher: Aviva Life & Pensions UK Limited

  • Doc type: key features document / policy summary

  • URL: https://static.aviva.io/content/dam/document-library/adviser/individualprotection/al51001c.pdf

  • Fetched: YES (PDF, 28 pp., full text extracted)

S6. Royal London — “Critical Illness Cover at a glance” (SAP8P10029/14, June 2025)#

  • Publisher: The Royal London Mutual Insurance Society Limited

  • Doc type: adviser sales aid / product summary

  • URL: https://adviser.royallondon.com/globalassets/docs/protection/SAP8P10029-critical-illness-cover-at-a-glance.pdf

  • Fetched: YES (PDF, 2 pp., full text extracted)

S7. Royal London — adviser page “Details of Critical Illness Cover”#

  • Publisher: Royal London

  • Doc type: adviser product page

  • URL: https://adviser.royallondon.com/protection/personal-protection/critical-illness-cover/detail/

  • Fetched: YES (HTML, summarised by fetch tool)

S8. Royal London — “Personal Menu Plan — Life or Critical Illness Cover — Plan details” (PCP8P10010, July 2025)#

  • Publisher: The Royal London Mutual Insurance Society Limited

  • Doc type: policy conditions (plan details, 84 pp.)

  • URL: https://adviser.royallondon.com/globalassets/docs/protection/pcp8p10010-plan-details-for-the-personal-menu-plan-life-or-critical-illness-cover.pdf

  • Fetched: YES (PDF, 84 pp., full text extracted)

  • Caveat carried over: definitions-focused; Royal London entry ages/term/sum limits were not found in the fetched plan details.

S9. Vitality — “Serious Illness Cover” public product page#

  • Publisher: Vitality (VitalityLife)

  • Doc type: product page (marketing but with concrete plan facts)

  • URL: https://www.vitality.co.uk/life-insurance/serious-illness-cover/

  • Fetched: YES (via browser; vitality.co.uk blocks non-browser fetches)

S10. VitalityLife — “VitalityLife Essentials Plan Summary” (mirror hosted by LifeQuote)#

  • Publisher: VitalityLife (document); mirror host: LifeQuote (lifequote.co.uk)

  • Doc type: key features document / plan summary

  • URL: https://www.lifequote.co.uk/cdrom/KFDocsProps/VitalityLife/VitalityLife%20KFD.pdf

  • Fetched: YES (PDF, 16 pp., full text extracted)

  • CAUTION carried over: third-party mirror, undated — describes an earlier generation of the product (Primary/Comprehensive severity structure) than the current 1X/2X/3X presentation on S9. Treated as the design reference for the severity mechanics.

S11. Zurich — “Key features of the Zurich Life Protection policy” (NP720500009, 02/2025)#

  • Publisher: Zurich Assurance Ltd

  • Doc type: key features document

  • URL: https://www.zurich.co.uk/-/media/documents/life-insurance/720500.pdf

  • Fetched: YES (PDF, 16 pp., full text extracted)

  • Caveat carried over: KFD only; Zurich’s full policy terms, its survival period and the 2024 “three levels” proposition are unverified.

Regulatory and actuarial references [R#] (product research file numbering)#

R1. ABI — “Guide to Minimum Standards for Critical Illness Cover” (16 September 2022; April 2023 clarifications)#

  • Publisher: Association of British Insurers

  • URL: https://www.abi.org.uk/globalassets/files/publications/public/protection/abi-guide-to-minimum-standards-for-critical-illness-cover-2023.pdf

  • Fetched: NO (abi.org.uk sits behind a Cloudflare challenge that blocked all fetch routes tried). Retained as the load-bearing known reference; its content is triangulated from R2, R3 and insurer documents that visibly implement it (S1 wordings; S11 states its KFD follows the ABI Statement of Best Practice for Critical Illness Cover, March 2023). Nothing is cited to R1 as verified.

R2. Unum — “Definition changes for ABI minimum standards 2023”#

  • Publisher: Unum Limited

  • URL: https://www.unum.co.uk/docs/Definition-changes-critical-illness-cover.pdf

  • Fetched: YES (PDF, 3 pp., full text extracted)

R3. SCOR — “Revision of the Minimum Standards for Critical Illness Review 2022”#

  • Publisher: SCOR (UK)

  • URL: https://www.scor.com/en/article/news-uk/revision-minimum-standards-critical-illness-review-2022

  • Fetched: YES (HTML)

R4. FSMA 2000 (Regulated Activities) Order 2001, Schedule 1 (SI 2001/544)#

  • Publisher: legislation.gov.uk

  • URL: https://www.legislation.gov.uk/uksi/2001/544/schedule/1

  • Fetched: YES

R5. FCA Handbook, ICOBS 1.1 (general application rule)#

  • Publisher: FCA (handbook.fca.org.uk)

  • URL: https://www.handbook.fca.org.uk/handbook/ICOBS/1/1.html

  • Fetched: YES (via browser; page as of 03/08/2026)

R6. FCA — Consumer Duty firms page#

  • Publisher: FCA

  • URL: https://www.fca.org.uk/firms/consumer-duty

  • Fetched: YES (HTML; landing page only)

R7. PRA Rulebook — Technical Provisions Part (Solvency UK)#

  • Publisher: PRA (prarulebook.co.uk)

  • URL: https://www.prarulebook.co.uk/pra-rules/technical-provisions

  • Fetched: YES (via browser; Rulebook “in the present” on 03/08/2026)

R8. IFoA/CMI — “Critical illness investigation” page#

  • Publisher: Institute and Faculty of Actuaries — Continuous Mortality Investigation

  • URL: https://www.actuaries.org.uk/learn-and-develop/continuous-mortality-investigation/cmi-investigations/critical-illness-investigation

  • Fetched: YES (HTML)

R9. CMI Working Paper 167 — “Accelerated critical illness experience by cause of claim, 2017–2020”#

  • Publisher: IFoA/CMI

  • URL: https://www.actuaries.org.uk/learn-and-develop/continuous-mortality-investigation/cmi-working-papers/assurances/cmi-working-paper-167

  • Fetched: YES (HTML)

  • Note carried over: WP167 and chart data are publicly downloadable; full CMI tables/datasets are generally restricted to authorised users [unverified — access limits not stated on the fetched pages].

R10. FRC — TAS 100 (General Actuarial Standards) v2.0#

  • Publisher: Financial Reporting Council

  • URL: https://www.frc.org.uk/library/standards-codes-policy/actuarial/tas-100/

  • Fetched: YES (HTML)

Dropped (in the research file but not cited in these documents): R11 (Bank of England Solvency II implementation / Solvency UK page — 403 to all fetch routes tried; the reformed rule state is evidenced directly from the Rulebook text in R7 instead).

Cross-product regulatory references [REG-R#]#

These are cited with the [REG-R#] prefix to avoid collision with the product research file’s own R-numbering. Full annotated entries (titles, publishers, URLs, retrieval markers, access date 2026-08-03) live in _research/regulatory-actuarial.md (provenance); the shared reference library is references/regulatory-and-actuarial-references.md (same R-numbering, R1–R38 frozen). Entries cited by the two documents in this directory:

Tag

Short title

Retrieval status (per that file)

REG-R1

PRA Rulebook — Technical Provisions Part

fetched (browser)

REG-R4

Insurance and Reinsurance Undertakings (Prudential Requirements) (Risk Margin) Regulations 2023 (SI 2023/1346)

fetched

REG-R11

FCA Handbook ICOBS (ICOBS 1.1 read)

fetched (browser)

REG-R12

FCA Handbook PRIN 2A — The Consumer Duty

fetched (browser)

REG-R14

FSMA 2000 (Regulated Activities) Order 2001, Sch. 1 Part II

fetched

REG-R17

Finance Act 2012, Part 2 (BLAGAB / protection trade basis)

fetched

REG-R20

Consumer Insurance (Disclosure and Representations) Act 2012

fetched (contents)

REG-R22

CMI main page (role and Authorised-User access model)

fetched

REG-R26

CMI “16” Series term assurance mortality and accelerated CI tables (IFoA blog announcement)

fetched

REG-R30

CMI Mortality Projections Model CMI_2025 (announcement, WP211)

fetched

REG-R32

ONS National life tables (UK series)

fetched

REG-R33

FRC TAS 100 v2.0 (same standard as R10 above)

fetched (FRC page)

REG-R34

FRC TAS 200: Insurance, v2.0

fetched (FRC page)

REG-R38

UK Endorsement Board — IFRS 17 (UK adoption)

fetched

Provenance note#

Extraction details live in _research/critical-illness.md: that file records which facts came from which source, including the unverified flags, the failed fetch of the ABI Guide (R1), the Vitality access limitations and the S10 mirror caution, the fetch-tool-summary caveat on S2, the L&G retail-vs-intermediary variant split (S1 vs S3), and the gaps (no public CI premium rate cards; AC04/16-Series table values not obtained; Royal London underwriting limits; Zurich full terms). The cross-product bibliography _research/regulatory-actuarial.md plays the same role for [REG-R#] tags. Standardizations marked std in product-spec.md and technical-notes.md are introduced at drafting and are not attributable to any source.

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