Critical illness Insurance!

Critical illness insurance pays a lump sum to the client on diagnosis

of a specified critical illness. The most common illnesses covered include

some forms of Cancer, Heart Attacks, Strokes and most serious illnesses.

The number of illnesses covered changes from company to company, so

it is possible to arrange a very comprehensive policy which will likely

be more expensive, or a lower cost policy that will cover a more

limited amount of illnesses.

The premiums are based on your age and the term of the product, along

with the level of cover and your current state of health. It is more

expensive than life insurance so many clients arrange this for a

proportion of their mortgage so it will provide a large enough lump

sum to either pay their mortgage or replace their salary for a few

years. If you can afford the premiums it is better to have full cover

to repay your mortgage.

Most of us personally know someone who has had cancer or a heart attack.

They often make a full recovery but during the illness their life is devastated.

They usually can’t keep their job and financial problems mount up on them.

This cover buys important breathing space to allow you and your family to

get back on your feet.

We strongly recommend that clients arrange as much critical illness

cover as they can within their budget.

Click for a free quotation