Critical Illness Cover

 Critical Illness Cover

Considering just how many lives are affected by critical illnesses such as heart disease, cancer and stroke, it is surprising that more people do not take out critical illness insurance. It is typically more expensive than standard Life Insurance but that’s because its more likely to be used.

The principle is straightforward; in the event of one or more of the specified illnesses being diagnosed, the insurance company will pay out a lump sum after a specified survival period. Often, critical illness cover is combined with other types of insurance and may even provide an investment element so that, for example, a given sum will be paid out on the death of the insured.

Sometimes clients might consider taking out full life insurance cover and taking partial cover on critical illness cover to make the monthly payments more affordable.  Talk to us about how we can tailor a package of protection to provide a level of cover that is acceptable to you at a price you can afford !

Critical Illness Cover

We can offer Critical Illness cover for a range of critical illness cover providers, please ask us for details of whose policies we provide advice on

Note – Critical illness policies should be checked as only some forms of cancer, heart attack and stroke are covered by this type of insurance. You should disclose fully any and all health conditions to your advisor so they can help ensure the right policy for you is selected.

IF THE POLICY HAS NO INVESTMENT ELEMENT THEN IT WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

THE POLICY MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. FOR DEFINITIONS PLEASE REFER TO THE KEY FEATURES AND POLICY DOCUMENT.

THE VALUE OF INVESTMENTS AND THE INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.