Protect Yourself and Your Loved Ones with Critical Illness Cover

When a critical illness strikes, it can have a significant impact on your life and your finances. That's where critical illness cover comes in. It's designed to provide you with a lump sum payment if you are diagnosed with a serious illness covered by the policy. This payment can help ease the financial burden of your illness and allow you to focus on your recovery.

It can provide a safety net for you and your loved ones, allowing you to focus on your health without worrying about the financial impact. With our panel of top insurers, we can help find the right critical illness cover for your needs and budget.

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4 key things to bear in mind when preparing for your quote...

Your Health

Your health plays a crucial role in determining your life insurance premiums. Insurers assess your medical history, current health conditions, and any risk factors to gauge your life expectancy. Better health typically means lower premiums, so it’s important to be honest and thorough about your medical history.

Your Occupation

The nature of your job can significantly influence your life insurance rates. Certain occupations carry higher risks than others, such as those involving manual labor or hazardous environments. Insurers consider these risks when calculating your premiums, so be prepared to provide detailed information about your job duties and work environment.

Your Age

Age is a fundamental factor in life insurance pricing. Generally, the younger you are, the lower your premiums will be. This is because younger individuals are statistically less likely to file a claim in the near future. It’s advantageous to secure a policy early to lock in lower rates and ensure long-term coverage.

Your Lifestyle

Lifestyle choices, such as smoking, drinking, and engaging in high-risk hobbies, can impact your life insurance rates. Insurers evaluate these behaviors to determine your overall risk level. Leading a healthy lifestyle can help you obtain more favorable premiums, so it’s beneficial to disclose any relevant lifestyle habits.

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Critical Illness Cover is a type of insurance that pays out a lump sum if you’re diagnosed with a serious illness, such as cancer or heart disease. The lump sum can be used to help pay for medical treatment, cover lost income or pay off debts. It’s designed to give you peace of mind and financial security during a difficult time.

The specific illnesses covered by critical illness cover can vary between policies, but most policies cover a range of serious illnesses such as cancer, heart attack, stroke, multiple sclerosis, and kidney failure. It’s important to check the policy details carefully to understand exactly what is covered and what is not.

Yes, some critical illness policies offer cover for children as well as adults. This can provide financial support if your child is diagnosed with a serious illness, such as leukaemia or a brain tumour. The cover can help pay for medical expenses, travel costs, and other expenses associated with their treatment.

The cost of critical illness cover can vary depending on a range of factors, such as your age, health, and the amount of cover you need. It’s important to shop around and compare different policies to find one that offers the right level of cover for your needs and budget. Some policies may offer lower premiums but with less comprehensive cover.

Life insurance pays out in the event of your death, or, where it includes terminal illness cover, when you are diagnosed with a terminal illness and have 12 months or less to live.

Critical illness pays out when you are diagnosed with a serious condition or illness as listed in your policy. The illness or condition does not have to be terminal.

Critical illness cover can complement a life insurance policy, giving you complete protection overall and greater peace of mind.

This is down to personal circumstances and how much cover you need. There are different types of life insurance to cover all your needs, they are:

  • Traditional Life Insurance
  • Critical Illness Cover
  • Over-50’s Cover
  • Income Protection
  • Whole of Life Insurance

Each one has different benefits and will come at different costs for the agreed term. Speak to us today to get support in finding the right product for you.

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