Critical Illness Cover

Critical illness insurance is often bought with life insurance. The policy would then pay out if you were diagnosed with a critical illness, and you would still have life cover.

Having both will provide the reassurance that you’ll be taken care of if you fall seriously ill, but also that your dependants will be looked after if you die unexpectedly.

Lots of people first consider critical illness cover when taking out a mortgage.

With this type of product, you get enough life insurance and critical illness insurance to cover your mortgage.

If you have a repayment mortgage then you can choose to get insurance which automatically decreases like your outstanding mortgage debt.

All critical illness policies cover heart attack, stroke and cancer, provided they are of a certain level of severity.  Cover for other conditions varies depending on the policy.

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