Unlike Life Insurance, Critical Illness Cover is geared towards looking after you while you’re alive. In terms of how to structure the cover, there are many factors to consider as there are with Life Insurance (see Life Insurance section for examples).
Above all, it’s vital that you understand how your policy works, as Critical Illness Cover can vary from insurer to insurer. Some companies cover more illnesses and conditions than others and certain companies have much better definitions for the illnesses they cover.
In addition to this, dependant on your health, lifestyle and occupation, some companies may apply exclusions on the policy making it a weaker product compared to other insurers.
With all the above to consider, it’s important to get expert advice from an experienced, qualified consultant to ensure you’ve chosen the right product that works for you and your family when you really need it.
If, like many of our existing customers, you want to make sure you’ve got the best cover without paying an absolute fortune, you will benefit from speaking to one of our Protection Experts. They will talk you through what’s available and ensure you get a plan that’s best suited to your needs and budget.
Unlike Mortgage Advisers and many other Insurance Brokers, we work across the market to make sure you get the best possible cover to fit within your budget. We’ll ask you about your health, lifestyle and occupation before you apply for your cover so there are no nasty surprises later on. What’s more is that we charge no fees at any point for anything we do.
Looking at Life Insurance really can be a minefield… How much Life Insurance do I need? Should I look at Critical Illness Cover? What’s the difference between Income Protection and Critical Illness Cover? What’s the best thing for me and my family? Let us answer all these questions and help you chose the right cover for your needs.
Our partner LifeSearch has won Protection Intermediary of the Year 10 times in the last 11 years, which speaks volumes about the level of service we offer our clients. We are here to help you so why not get in touch for your free, no obligation quote today?