Independent Financial Advice

Critical Illness Cover

If you were affected by a serious illness, could you and your family cope financially?

It is a sad fact of life, but most of us will know someone who has been affected by serious illness. Despite this reality, we rarely think that the same will happen to us. Critical Illness Cover can never fully compensate for physical suffering caused by serious illness, but the financial benefit it gives can go a long way in alleviating the day-to-day stresses of those affected and their partners.
Critical Illness Cover is available as a stand alone policy, or as an optional extra with life assurance policies, and offers a lump sum on the diagnosis of certain serious illnesses – including common conditions such as heart attacks and many malignant forms of cancer..

Some Critical Illness Cover insurance can be extended to protect children - including step children, legally adopted children and children not yet born - in the event of their becoming serious ill. The illnesses included in the cover for children are largely the same as those for adults, but policies do vary.

As with Life Cover, it can be arranged on a Level or Decreasing basis, and policies can be arranged on a ‘Guaranteed’ premium basis, or on a ‘Reviewable’ basis which typically offers you a lower initial premium

Critical illnesses commonly covered

• Some forms of Heart attack
• HIV/AIDS (restrictions apply)
• Multiple Sclerosis
• Cancer (many malignant types)
• Blindness
• Paralysis/Paraplegia
• Coronary By-Pass Surgery
• Deafness
• Alzheimer's Disease
• Heart Valve Replacement or Repair
• Loss of Speech
• Third degree burns
• Stroke
• Coma
• Major Organ Transplant
• Loss of Limbs
• Parkinson's Disease
• Permanent disability
• Kidney Failure
• Pre-senile dementia

Advice on the best products for you

Our professional advisers will help you identify your ‘Protection’ needs, understand the benefits of protection products and will make a sensible recommendation to fully protect your home and your family, ensuring that you are able to stay in your new home no matter what life throws at you.

Our comprehensive research allows us to shop around and that is exactly what we do! Not only will we research the cost of your Critical Illness Cover, we will also consider the features and benefits, and illnesses covered.