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Critical Illness Insurance
Critical Illness Insurance (also known as critical illness cover) is a policy that pays out a tax free lump sum of money upon diagnosis of a specified critical illness. It is more expensive than life cover. However you are far more likely to suffer a critical illness than to die.
Different companies will offer different definitions of illnesses (although certain illnesses must be covered under ABI guidelines) This means the cheapest cover may not be the most comprehensive. For these reasons we suggest you consult one of our qualified advisers to help find the best policy for you.
Many companies also offer free children's critical illness cover in their policies. Claims made on the children's cover are not deducted from your cover and your cover will not stop.
You can decide how much Critical Illness Insurance you require, or you can contact one of our experienced advisers to assist. It's common for people to cover mortgages and debts with Critical Illness Insurance, however this is not always possible due to cost.
We recommend that if it's too expensive to cover the full amount of your mortgage/loan then you should consider covering a proportion of the liability. This way at least you know that you have some additional income which can be used for mortgage payments, bills, specialist medical care or to make adaptations to you home if required.
