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Critical Illness Cover

Talking about dying is often considered taboo but talking about illness is commonplace. And rightly so if you look at the statistics. People do get ill and the biggest culprit is cancer. Heart disease and strokes are quite close behind.

Apart from the stress, a critical illness can blow a large hole in your finances (check out your contract of employment for sick pay then see how much you have in your savings account).

Critical illness insurance can pay out a lump sum (currently tax free) to enable you to repay your mortgage, convert your home, settle your affairs etc.

While you are recovering you do not have to worry about how the bills are going to be paid. When you have recovered you do not have to repay this money.

This type of cover can be incorporated into your life assurance policy to minimise the costs. Premiums can be fixed and protection can be built into the policy in case of minor illnesses that stop you from working so that the premiums are waived by the life company during your illness.