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Critical Illness Cover


Critical Illness Cover


Did you know?
  • Around 309,500 people were diagnosed with cancer in the UK in 2008 and there are over 40 types of common cancer (Source: Cancer Research UK - June 2011).

  • In 2008, over 48,000 people in the UK were diagnosed with breast cancer and over 12,000 people in the UK died from breast cancer (Source: Cancer Research UK - Oct 2009).

  • Coronary heart disease (CHD) is the UK's biggest killer, around one in five men and one in seven women die from the disease. CHD causes around 94,000 deaths in the UK each year. In the UK, there are an estimated 2.6 million people living with the condition. (Source: NHS - Oct 2010).

  • Multiple sclerosis (MS) is the most common neurological condition in young adults in the UK, affecting around 100,000 people. MS can occur at any age, but symptoms are mostly first seen between the ages of 20 and 40. Women are more than twice as likely to develop MS as men. (Source: NHS - Jan 2010).

What is it?

A Critical Illness plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. It is often added to a life assurance policy as an additional benefit but can also be a standalone plan.

Who is it for?

This type of plan is designed for those individuals or families whom want a lump sum if they are diagnosed with a serious illness. As an example of where this lump sum could be used is to repay a loan, mortgage, or perhaps pay for time off work. The lump sum could even be used to pay for any necessary alterations to your home. The quality of cover and the illnesses covered can vary significantly between different providers. We can help you find the plan that best meets your requirements.

Having the correct amount of cover and the correct definitions of critical illness is a very important part of arranging this protection. Our advisers can help you compare products and then arrange any applications needed to make sure you are properly protected.

Ask yourself this very simple question "If I suffered a critical illness and could not work, how would this effect my ability to earn an income and continue to repay my debts?"

If you would like to discuss your needs in this area please contact us to arrange a no obligation appointment.





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