What is critical illness cover?

Critical Illness Cover is assurance that pays out if you are diagnosed with an illness specified within the policy. It is designed to help you adapt if your life is changed by an illness.

Critical Illness cover is not designed as a replacement for your income.

Do I need critical illness cover?

There is a 1 in 5 chance for men and a 1 in 6 chance for women that a long-term critical illness will prevent them from working.

Yes it is more expensive than life insurance but after all it’s providing cover for a greater risk. You're much more likely to experience a critical illness than die before your normal retirement age. Indeed, the average age for a claim is 47.

Critical Illness policies do vary and it can take an experienced eye to evaluate the best policy for your circumstances and pocket. This doesn't mean that you have to miss out on the discounted premiums we offer. We do offer the service to talk to one of our Independent Financial Advisers to make sure to get the policy which is right for you.

Then sit back knowing you've taken another important step to protect your family's finances. Let’s all hope that you're one of the majority who are happy never to claim.

A list of the critical illness are provided in the specific insures key facts document.