In recent years modern medicine has meant that more and more people are surviving a critical illness such as cancer or a stroke; but may not recover sufficiently for them to return to full time work.  This is where Critical Illness Cover is of benefit, as it is designed to pay a one off lump sum if you are diagnosed with a qualifying critical illness during the term of the policy.

Because of modern medicine and new medical procedures Critical illness cover has become one of the fastest growing insurance products available.

Critical illness insurance cover should not be confused with Private Medical Insurance which can be used to pay the costs of medical treatment by a private doctor or consultant.  Similarly this form of insurance is different to Income Protection Insurance which will pay you a monthly amount once you have been declared unfit for work for an agreed period of time.

According to the Cancer Research UK, 1 in 2 people in Britain will be diagnosed with cancer at some point in their life and someone in the UK is diagnosed with cancer every 2 minutes.

The range of critical illnesses covered and their definitions vary from company to company, so we recommend that you obtain professional advice to ensure that you take out a policy that is suited to your exact requirements.

We will search the whole of the UK critical illness insurance market on your behalf to find you the most appropriate product.  Critical Illness plans have no investment element, have no cash in value at any time and will cease at the end of the term.  If you stop paying your premiums your cover may end.

If you were diagnosed today with cancer, a heart problem or suffering from a serious illness, would you remain independent or become reliant on others? Would you still be able to meet all of your financial commitments?

If you would like some further information on this type of cover and a quote then please complete our Protection Enquiry Form.