more about critical illness  

Critical Illness Cover can be combined with level or decreasing term  (mortgage protection) life assurance cover. It pays out a lump sum upon the diagnosis of a specified critical illness. Critical Illnesses include heart attack, cancer, stroke, multiple sclerosis, blindness, total and permanent disability etc. (1 in 4 men and 1 in 5 women will contract one of the conditions covered by a standard critical illness policy before they reach the age of 65 - source Henover Re 2001)

Critical Illness cover together with a life policy will cost you more but this is a policy that you may well need to claim on in the future and can be vital to a family if they encounter an unfortunate illness.

A good way of keeping the monthly cost down but ensuring that you have some form of Critical Illness cover is to insure for a lower amount with Critical Illness, as you do not have to have the same cover amount as your life insurance policy. Contact our life insurance team who will be pleased to assist you with further information - Tel 01580 243293.

Remember, some illnesses are not included but we will discuss this with you before we make a reommendation. The cost to you will depend on your health and age.

All protection policies have benefits and drawbacks. We will discuss these with you before we make a recommendation. Each provider has its own definitions of Critical Illnesses. Pre-existing medical conditions will be excluded. We will discuss this with you before we make a recommendation.