Life critical illness insurance
Best critical illness and life cover
What is critical illness cover?
Life critical illness insurance is a form of life cover that pays a tax-free lump sum of cash, should you suffer a life changing injury or illness that is covered by your policy. It is something we never want to plan for, but seriously need to consider should the worse happen.
As critical illnesses and terminal illnesses are viewed differently by insurance providers, ensuring that you are protected for the things that matter most to you is essential. By booking a free consultation with one of our insurance brokers, we can help you get the best critical illness cover for your budget and needs, at no additional cost to you. If you are happy with the recommended product, they will also manage your entire application for you. So, get in touch to discuss your options today!
Do I need critical illness cover?
As most people would not have sufficient savings to cover an extended period of absence from work, a critical illness policy could provide the reassurance you and your loved ones need. Depending on the severity of your condition, critical illness cover can help to replace your loss of income, clear your outstanding debts, and make any necessary changes to your home. But you must ensure that you check exactly what you will be protected for first.
Whilst life critical illness insurance covers you for many types of critical illnesses including cancer, heart attack and stroke, you will only be covered to a certain level of severity. Many terminal illnesses where life expectancy is less than one year, are also excluded and in some cases, you will need to have ongoing symptoms to make a claim.