Critical Illness
Insurance is reassurance
Cover for when you most need it, but least expected it.
Critical Illness Cover means you’re covered should you be diagnosed with a critical illness which could have a severe impact on your lifestyle.
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It’s not just insurance, it’s reassurance.
It will pay out a tax-free lump sum if you are diagnosed with one of the specified critical illnesses, listed on the policy or on death during the period of cover, if you have selected the life cover option and you are eligible to claim.
Critical illness cover is not the same as life insurance.
- Life insurance – Pay’s out a tax-free lump sum upon death
- Critical illness – Pay’s out a tax-free lump sum upon diagnosis of a critical illness
What can I use the money for?
If you’re diagnosed with a critical illness, you’ll be paid a tax-free lump sum. There are no restrictions on the money you’re paid out, you can spend the money how you wish.
You could use it to clear any debts, pay medical bills or pay off your mortgage.
Some clients have even used the funds to travel the world with their family, during their final years after diagnosis.
Do I need it?
There’s no requirement to have critical illness cover, but it’s there when you least expect it and most need it.
Critical illness cover can offer you financial support if you become seriously ill.
Benefits
Critical Illness Cover can be extremely helpful if you don’t have significant or no savings to fall back on. You can use it to pay for things such as
- Household Bills
- Medical Treatment
- Private Healthcare
- Lost Earnings
- Rent or Mortgage Payments
- Provide for your Family
What’s covered?
It depends on the type of cover you take out, but specific ‘core’ conditions are always covered. The most comprehensive policies can cover up to 50 conditions, so it’s always important to read your policy to understand what you’re covered for.
We’ll get you covered!
Our advisors will make sure you know what you’re covered for and make sure your policy includes cover for anything you are particularly worried about.
See what’s Covered?
See below for what you can expect to be covered for.
Covered Core Conditions
-
Heart attacks - Strokes
- Strokes
Sometimes Covered
- Multiple sclerosis, Alzheimer’s, deafness, blindness, loss of limbs, organ failures, permanent disabilities, traumatic head injuries and Parkinson’s
Not Covered
- Pre-existing conditions
- Hereditary illnesses
- Temporary illnesses
Types of cover available
Should you take out critical illness cover on top of a normal life insurance policy, you’ll be able to choose from the following options –
Additional Cover
You’re insured for a pay-out both when you pass away and if you’re diagnosed with a critical illness
Joint Cover
One policy that covers two people as a couple. Typically, only pay out once, to whoever dies or falls ill first.
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What affects the cost of a policy?
The following affects how much your policy will cost -
- Type of policy
- Your Age
- Your Occupation
- Your Medical History
- Your Lifestyle
- Your Level of Cover
We're 100% independent, and always will be.
Am I eligible?
Providers may have age limits on their policies, and some conditions may also be excluded from cover based on your medical history.
Don’t worry! Your adviser will let you know if you’re eligible and the policy conditions before you apply.
You’ll also need to be a UK resident to take out critical illness cover.
How much cover do I need?
When working out the amount of cover you'll both need and want, it's important to consider the level of financial support your dependants would need if you weren't able to provide an income as a result of your illness.
Your adviser will help you decide the level of cover you should take out based on your individual circumstances.
Why choose us?
- 100% Independent
- Get covered FAST
- We'll Find the Best Deal
- Insuring Families Across the UK
Book Online, or In Person Meeting
Book Appointment
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Meet your friendly advisor
We start searching...
After learning a bit about you, our advisors will begin searching the ENTIRE market to find you the best deal
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Discuss your options
Once we've found a few options for you, we'll contact you and if you're happy we can start the full application. Your advisor will explain everything to you.
