Critical Illness Insurance

Critical illness insurance pays out a lump sum on diagnosis of a range of serious illnesses. Provided the patient survives a minimum period after diagnosis, typically 21 or 28 days, the cash is paid regardless of whether they make a full recovery.

The exact conditions covered varies from insurer to insurer but generally cover heart disease, strokes, most forms of cancer, kidney or liver failure, and many other serious complaints. Each policy will specify exactly the range of illnesses that it covers.

Advances in medical know-how are making it possible for people to survive and even enjoy life during and after suffering a serious health setback such as a heart attack or a stroke. And if you survive, but are not well enough to work, you will still have the mortgage and the bills to pay. In fact it's likely that your living costs could increase if you need some sort of nursing care, have to adapt your home etc.


Income Protection Insurance

As the name suggests Income Protection provides you with the peace of mind in knowing that should you or your partner become sick then it is possible to provide you with a guaranteed level of income.

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