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Critical Illness Cover Comparisons

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Protect your lifestyle by buying critical illness insurance

Critical illness cover as an addition to your life insurance

Everyone knows that they should cover their life or their mortgage with life insurance should they die, but suffering a critical illness can also have a devastating impact on your family.

Critical illness cover is a long-term insurance policy that's designed to pay you a lump sum on diagnosis of a varied range of seriously incapacitating or life threatening conditions such as loss of limbs, heart attack, stroke, multiple sclerosis, cancer, blindness and many more. The number and type of conditions can vary and will affect the premium that is paid.

You can use the payout for anything you wish including medical treatment or to pay off your mortgage.

A selection of the critical illnesses that are often insured are as follows. Please note that critical illness cover policies differ in what they cover and may also have age restrictions. It's important that you're familiar with the inclusions and exclusions.

Alzheimer's Disease Angioplasty Aorta Graft Surgery Aplastic Anaemia Bacterial Meningitis Benign Brain Tumour Blindness Cancer Cardiomyopathy Coma Coronary Bypass Surgery Creutzfeldt-Jakob Disease (CJD) Deafness Dementia Encephalitis Heart Attack Heart Valve Replacement or repair HIV/AIDs Kidney Failure Liver Failure

Loss of hands or feet Loss of limbs Lupus Erythematosus Major Organ Transplant Motor Neurone Disease Multiple Sclerosis Paralysis Paraplegia Parkinson's Disease Permanent Deafness Permanent Loss of Speech Permanent Total Disability Pre-Senile Dementia Respiratory Failure Stroke Supranuclear Palsy Terminal Illness Third Degree Burns Traumatic Head Injury

There are a wide range of life insurance companies who offer critical illness cover. The terms and conditions, and what critical illnesses are covered will vary from company to company.

Why do you need critical illness cover?

As medical techniques advance and improve, people are increasingly surviving serious illness.

Almost everyone has a friend or family member who's suffered from a major, possibly fatal, critical illness.

We make the whole process of buying life insurance and critical illness cover so quick and easy

Our life insurance experts will search on your behalf. You won't have to spend time and effort looking around for the best life insurance or critical illness deals. The whole of the UK market will be searched and compared.

Ensure you make the right decision

Will you be buying the correct life insurance/critical illness cover?

Unlike many other life insurance advisers, we make recommendations drawn from the whole of the market, not just one particular life insurance provider or range of providers that we are tied to.

You need to ask yourself the following 7 important questions before you buy your life insurance (please bookmark this page now for future reference)...

Price shouldn’t always be the only reason to buy a particular life insurance product. Are you looking only at price and not necessarily value? There are many considerations you should bear in mind when comparing life insurance/critical illness cover other than cost - cheap cover could be the most expensive thing you ever buy. Have you got the right product, will it do what you think it will? Are you properly / adequately covered? What length and level of life insurance/critical illness cover should you choose? Have you thought about the importance of putting life insurance policies into Trust and the possible consequences of not putting policies into Trust? Have you considered the consequences of medical underwriting at the commencement of the policy rather than at the point of claim? Do you / will you review your current protection portfolio on a regular basis? Are you aware of the importance of receiving professional advise concerning?: * Exclusions - the circumstances when a life insurance policy doesn't pay out. * Flexibility - the reduction or increase of cover as your circumstances change. * Waiver of premium - a period of grace if you cannot pay a premium. * Future problems - if you choose not to use a professional adviser, you may not have access to complaints and compensation procedures if things go wrong. An adviser is your point of contact should something not go to plan. * Trust - advisers have got an interest in recommending the right life insurance for your circumstances as they will not wish to fall foul of stringent Financial Services Authority (FSA) rules.

We help you FOR FREE in your decision as to which life insurance is the most suitable for you and your circumstances. Your FSA qualified financial adviser will assist you in choosing an appropriate policy.

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Joint Life Insurance

Do you require life insurance for your partner?

Joint life insurance policies are available, but you should seriously consider two single life insurance policies as an alternative. With two single life insurance policies, if both policy holders die together, both of the policies pay out. Only one payout would occur with just one joint policy.

Having this double life insurance can provide a valuable additional payout to support surviving family members.

Also, two separate life insurance policies are more often suited in the case of policies that include critical illness cover. This is because if one policyholder is diagnosed with a covered illness, the other will not want their cover to be lost. This would happen with a joint life policy.

Check that you won't overpay for your life insurance or critical illness cover now...

A qualified and FSA registered broker will help you discover suitable life insurance/critical illness cover and compare prices between companies. Please complete the FREE no-obligation, one-step confidential enquiry below. Your privacy is important to us, we do not share your contact details.


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