Critical Illness


How does it compare to Life Insurance?

A life insurance policy will only pay out a benefit should the policyholder die (or, with some policies, if you are terminally ill and are going to die within 12 months).

Critical illness cover will pay a benefit should the policyholder be diagnosed with any number of different serious illnesses or become permanently and totally disabled.

The cost of life insurance is based upon how likely you are to die during the term of the policy whereas critical illness insurance is based upon how likely you are to suffer one of the stated critical illnesses during the term. You are also able to organise life insurance cover with a critical illness extension.
In most cases you are more likely to suffer a critical illness than to die during a set number of years (dependent on your age) and therefore the cost of critical illness insurance is usually higher than that of life insurance.

When purchasing a critical illness policy a lot of people take out a policy that includes life insurance as well meaning that it will pay a lump sum benefit on either the death of the policyholder, them suffering a critical illness or becoming permanently and totally disabled.

"A great price with all the benefits I need for my family"

Paul Marshall, Birmingham

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