Helping you to focus on getting better
If you are unable to work due to critical illness, this can have severe consequences for both you and your family who may be reliant on that financial support. Having access to a sum of money can help alleviate some of the financial stress of the situation and allow you to keep your focus on getting better.
In the event you needed to give up work or if you were to pass away during the length of the policy, the money could be used to help fund the mortgage or rent, everyday bills or just the simple things like the weekly food shop. This can provide some important peace of mind for you and/ or your family when you need it most.
Avoiding financial hardship
Provision of a tax-free lump sum
Choosing the level of cover
Defined conditions only
Number of factors
How much you pay for critical illness cover will be dependent on a range of factors, including: your age, the amount of cover you require, whether you smoke and the type of policy you have chosen.
Most policies will include permanent total disability. This may be defined as being unable to work as you normally would; others define as being unable to independently perform three or more ‘Activities of Daily Living’ resulting from the illness or accident.
Activities of Daily Living include:
Dressing and undressing
Ensure you are fully covered
Making sure you’re fully covered can provide valuable peace of mind to you/ you and your family – don’t risk leaving it to chance. To discuss your requirements or if you would like to receive a personal quotation, please contact us.