Critical Illness is it expensive?

Term Critical illness cover can seem expensive, but compared to what? If you compare the costs to a life insurance policy over a set number of years (or term), then the cover is normally two to three times the price. The reason for this is because you are much more likely to suffer a critical illness than to die during such a period.

When calculating your premiums, insurance companies assess the risk of the client making a claim and having to payout on that particular policy which could cover for a set term of years or over the entirety of your life.

If you were to buy a life insurance policy that will pay £50,000 on your death, no matter when you die (a whole-of-Life policy), then the insurance company knows that one day it will have to give your family £50,000.

If you take out a life insurance policy that will pay out £50,000 should you die within the next 25 years (a term assurance policy), then the life insurance company may never have to pay your family a penny.
Comparing critical illness assurance with us means that you will have access to the entire UK critical illness assurance marketplace. All you need to do is complete our online quote form by click on the Get a Quote button above.

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