CRITICAL ILLNESS COVER
[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column width=”1/2″][vc_column_text]WHAT IS CRITICAL ILLNESS COVER?
Critical Illness cover pays out a cash lump sum if you’re diagnosed with one of a number of listed critical illnesses, including some types of cancer, a heart attack or stroke, multiple sclerosis or the loss of limbs.
The illnesses covered, and illnesses excluded from cover, vary widely between insurers, so it’s vital that you take Our Advise(link to enquiries) before buying a policy and carefully check the policy documentation. Pre-existing conditions tend to be excluded, but some insurers will base cover on your personal medical history.[/vc_column_text][vc_column_text]
HOW MUCH DOES CRITICAL ILLNESS COVER COST ?
Some critical illness cover policies let you choose between guaranteed and reviewable premiums. Policies with guaranteed premiums tend to be more expensive, but payments remain the same throughout the life of the policy. This means guaranteed policies can prove cheaper in the long-run.[/vc_column_text][/vc_column][vc_column width=”1/2″][vc_column_text]
WHY MIGHT I NEED CRITICAL ILLNESS COVER ?
Many people buy life insurance to leave a payout for their family if they die. However, within a given timescale, you’re much more likely to develop a critical illness than to die.
A critical illness policy could be used to pay for medical treatment, cover adaptations to your home (such as mobility aids, special equipment or structural changes required due to a disability) or to pay off your mortgage. In fact, it can be used for anything.
What critical illness cover doesn’t do is produce a regular income. If you were unable to work due to an critical illness, a good income protection policy would cover your ongoing expenditure. We will be able to find you the best balance of income protection, life insurance and critical illness cover to meet your individual needs.[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column width=”1/1″][vc_separator color=”grey”][/vc_column][/vc_row][vc_row][vc_column width=”1/2″][vc_column_text]
GUARANTEE PREMIUMS
Critical Illness cover premiums tend to rise with age, but will also depend on your personal medical history and that of your family. Some policies may charge you less if they exclude a pre-existing condition. Critical illness cover is often sold alongside life insurance. This can reduce the cost of critical illness cover.[/vc_column_text][/vc_column][vc_column width=”1/2″][vc_column_text]
REVIEWABLE PREMIUMS
Reviewable premiums tend to be much lower at the outset, but prices are likely to rise in the future. This means cover may become unaffordable as you get older, just as the likelihood of falling ill increases. Reviewable critical illness cover policy providers usually review premiums every five or 10 years. Changes in your health or personal circumstances do not lead to premium increases, but advances in medical technology can lead to higher premiums.[/vc_column_text][/vc_column][/vc_row][vc_row][vc_column width=”1/3″][vc_column_text css=”.vc_custom_1406290118626{padding-top: 1px !important;padding-bottom: 5px !important;padding-left: 10px !important;background-color: #00137f !important;}”]
GET A QUOTE
[/vc_column_text][vc_column_text]It’s easy to get a quote for our life insurance products online. Just choose the type of life insurance that suits you, decide how much cover you need and you can get an immediate decision today.Choose a product and get a life insurance quote ![/vc_column_text][/vc_column][vc_column width=”1/3″][vc_column_text css=”.vc_custom_1406290127434{padding-top: 1px !important;padding-bottom: 5px !important;padding-left: 10px !important;background-color: #00137f !important;}”]
REQUEST A CALL BACK
[/vc_column_text][vc_column_text]Not sure where to start or what type of life insurance is right for you? Our Help Me Decide section provides a range of tools and information to give you the help you need.Help me decide ![/vc_column_text][/vc_column][vc_column width=”1/3″][vc_column_text]
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