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Critical Illness

Critical Illness cover was devised more recently during the late 1980’s. It is a protection plan that pays out if you live. Guided by a list of defined covers, a critical illness policy will pay you out a lump sum or income should you contract one of the listed illnesses. Modern contracts can cover a total of up to 59 critical illnesses ranging from Alzheimer’s, Cancer, Deafness and Stroke. The plan is designed to alleviate any financial worries should you fall ill and not be able to work. The illness is defined by your medical team, underwritten by the company and, if qualifying, paid out to you or your beneficiaries within weeks of the illness.  

With statistics such as 1 in 3 people will contract some form of Cancer, critical illness, although a little expensive, is a vital form of cover as part of the protection strategy planning. It is important to know what is covered and what is not. It is, as it says, designed to provide financial support in the event of an illness that renders you critically ill. With a range of covers available from many different providers, a thorough examination of the types of contract available in the market place it vital to ensuring you get the best value for money and cover. 

Contact us for a valuable discussion on the benefits of critical illness cover.