Consider buying critical illness insurance in addition to your life insurance.
Critical illness cover is a long-term insurance policy that's designed to pay you a lump sum on diagnosis of a varied range of seriously incapacitating or life threatening conditions such as loss of limbs, heart attack, stroke, cancer, blindness and many more.
You can use the payout for anything you wish including medical treatment or to pay off your mortgage.
Compare critical illness cover
Many believe that the critical illness cover and life insurance market is so competitive that there is little difference between the charges of different providers. They are mistaken.
You can protect your lifestyle by buying critical illness insurance. Everyone knows about protecting yourself or your mortgage with life insurance should the worst happen, but suffering a critical illness can have a similar impact on your family.
Critical illness cover pays out a lump sum if you're diagnosed with any of a range of life threatening illnesses. These include heart disease, strokes, cancer and multiple sclerosis. The number of conditions can vary and will affect the premium paid.
A selection of the critical illnesses that are often covered are as follows. Please note that critical illness cover policies differ in what they cover and may also have age restrictions. It is important that you are familiar with the inclusions and exclusions.
- Alzheimer's Disease
- Angioplasty
- Aorta Graft Surgery
- Aplastic Anaemia
- Bacterial Meningitis
- Benign Brain Tumour
- Blindness
- Cancer
- Cardiomyopathy
- Coma
- Coronary Bypass Surgery
- Creutzfeldt-Jakob Disease (CJD)
- Deafness
- Dementia
- Encephalitis
- Heart Attack
- Heart Valve Replacement or repair
- HIV/AIDs
- Kidney Failure
- Liver Failure
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- Loss of hands or feet
- Loss of limbs
- Lupus Erythematosus
- Major Organ Transplant
- Motor Neurone Disease
- Multiple Sclerosis
- Paralysis
- Paraplegia
- Parkinson's Disease
- Permanent Deafness
- Permanent Loss of Speech
- Permanent Total Disability
- Pre-Senile Dementia
- Respiratory Failure
- Stroke
- Supranuclear Palsy
- Terminal Illness
- Third Degree Burns
- Traumatic Head Injury
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There are a wide range of life insurance companies who offer critical illness policies. The terms and conditions and what critical illnesses are covered will vary from company to company.
Why the need for critical illness insurance?
As medical techniques advance, people are increasingly surviving serious illness.
Almost everyone has a family member or friend who has suffered from a major, possibly fatal, critical illness.
We make the whole process of buying life insurance and critical illness cover so quick and easy
Our life insurance experts will search the market on your behalf so you don't have to. You don't have to spend time and effort looking around for the best life insurance deals. Simply let us know your details and the whole of the UK market will be searched and compared.
We search the whole of the market and use trusted life insurance and critical illness cover brands
IMPORTANT PLEASE READ: Why aren't we an automated life insurance and critical illness cover comparison site? Comparison sites have been heavily criticised in the media and by the Financial Services Authority (FSA) for their lack of independence and incomplete information. Some even sell your details to 3rd parties. Others make incorrect assumptions about your circumstances.
Consumers often don't realise that they're not getting the whole picture. Not one of these comparison sites cover the whole market. For instance Aviva, the UK's largest insurance provider, refuses to be listed on them. Some comparison sites even have agreements in place ensuring they don't offer better deals than the insurer.
The FSA say "Some may only include products that the website can make money from in some way, for example if you click through to the provider."
Peace of Mind
protect your family
Your family's life shouldn't stop just because you're no longer around.
Start here to make your search for life insurance much easier!
There are three questions to you need to ask yourself:
- 1. Which is the best type of life insurance for me?
- 2. What is the right level of cover for me?
- 3. How much should I be spending?
If, like many others, you're unsure about all three, then you're definitely at the right site!
We take the stress and work away from your life cover search
Life insurance experts will search the market on your behalf so you don't have to. You don't have to spend time and effort looking around for the best life insurance deals. Simply let us know your details and the whole of the UK market will be searched and compared.
Then what?...
You'll receive free Life Insurance Comparisons. Your friendly advisors will explain everything that you need to know about which type of cover is best for you.
Importantly, they'll also let you know how much you should be paying for your life cover. You can then easily choose which policy suits you and your pocket. Simplicity itself!
Why should I?...
It'll save you lots of time and effort and could save you quite a bit of money in the process. Crucially, your loved ones will receive a lump sum when the inevitable happens.