Critical Illness Cover

WE USE A RANGE OF OTHER INSURANCE PROVIDERS AND THEIR PRODUCTS MAY BE MORE SUITABLE FOR YOUR NEEDS

Be prepared for the unexpected.

Whilst we don’t like to think about it, thousands of people each year are diagnosed with a critical illness. If you suffer such an illness you are unlikely to be able to work, at least in the early days, so this type of insurance will provide you with a lump sum to allow you and your family to cope financially.

What is critical illness insurance?

Critical illness protection will pay out a lump sum if the insured person survives a certain period, usually
14 to 30 days, after diagnosis of a critical illness which meets the policy’s definitions.

As with life insurance, critical illness protection can be taken out on a level or decreasing basis.
With level term protection the amount of cover remains fixed throughout the policy term.

Decreasing term protection is usually used to protect a repayment style mortgage with the cover designed to reduce in line with the mortgage balance.
Talk to us

We are happy to discuss your options and identify the best solution for you.
All protection policies have benefits and drawbacks. We will discuss these with you before we make a recommendation. Each provider has its own definitions of critical illness.  Pre-existing medical conditions will be excluded.

We will discuss this with you before we make a recommendation. These policies are not savings or investment plans so if you cancel your policy, you will not get your money back.

As with all insurance policies terms, conditions and exclusions will apply.

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