Critical Illness Insurance
Get quotes and advice on critical illness insurance deals...
Critical illness insurance provides a capital sum upon diagnosis of a specified illness or condition e.g. cancer, heart disease or permanent total disability. Many life insurance policies now include critical illness - you can get instant online quotes from a range of providers by clicking on the link below:
With critical illness cover, survival for a certain period, normally 14 days, from diagnosis is normally required. The policy can be arranged as a stand alone policy or as an add-on to a life policy e.g. level term assurance, mortgage protection or a whole life insurance policy.
Advantages:
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Critical illness can strike at any time and the policy is designed to pay out on diagnosis of a specified condition which will provides financial peace of mind in a time of personal crisis
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The proceeds from the policy are tax free
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It is possible to protect yourself against a wide range of conditions and illnesses, and so it is important to choose the right policy for you
Disadvantages:
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Premiums are more expensive compared to conventional life cover.
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Comparing polices from different companies is difficult because terms and conditions can vary widely.
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Medical evidence will be required and possibly a medical examination for those in poor health or those requiring significant levels of cover
If you are not sure about which type of life insurance or critical illness insurance is right for you, you should talk to an expert.
Our specialist insurance advisors have access to the entire life insurance market and will be able to provide you with FREE quotes and advice about the various critical illness insurance options available to you.
| Insurer | Premium* |
| Via Fair Investment | £5.16 |
| Norwich Union | £6.90 |
| Friends Provident | £7.50 |
| Natwest | £9.80 |
*The figures above are based upon £100,000 life insurance only cover for female aged 30, non smoker and in normal health. Quotation based on 25 year level term and sourced on a guaranteed basis. (details correct as at February 2008)