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Critical Illness, Critical Illness Insurance, Critical Illness Cover
Critical Illness Insurance
It's ESSENTIAL you get professional help - so highly trained Advisers are provided for you to chat to on the phone. |
Congratulations, you've just faced one of the hardest facts in life; the chance that you won't always enjoy the good health you're in today. No one likes to imagine that critical illness can happen to them, but the fact is the risks are much higher than most people would like to admit.
| It's a Critical Fact | What does this Insurance do? |
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1 in 5 men and 1in 6 women suffer a critical illness before their normal retirement age. 35% of men and 46% of women who develop cancer survive at least 5 years. (Source: Munich Re 2005) |
Bearing in mind the undisputed risks of getting a critical illness, this insurance is certainly the most under-rated insurance around. It pays out a tax-free lump sum if you are diagnosed with one of the many critical illnesses listed on your policy and you survive at least 28 days* after initial diagnosis. CLICK HERE to see a typical list of insured illnesses * some insurers specify 14 days |
Why are we so cheap?
After extensive research we've teamed up with Click Life the Internets' leading cut price Life & Critical Illness Insurance broker . And Click Life have approved extra special discounts for all our clients. That means you'll get a premium for critical illness insurance that's virtually impossible to beat.
And all the Help you Need.
On this site you'll find lots of articles to read about critical illness insurance. But in the end, it's essential you have a chat with an expert at Click Life. This type of insurance is much more complicated than most people realise and you can't afford to make a mistake. By speaking to an expert, you'll avoid the pitfalls and ensure you get best your money can buy.
To start off just ask for a quote now and answer a few simple questions. A Critical Illness Insurance expert will phone you back within 24 hours. Don't buy without taking advice!
Around 20% of claims are rejected by insurance companies and this has resulted in some bad press. The two main reasons for this rejection is that the diagnosed illness is not specified on the policy ( CLICK HERE to see a typical list of insured illnesses) or the insurance company finds that the claimant failed to fully disclose their medical history when they completed their application form.
Life Insurance can be added to your Critical Illness Insurance policy.
There are two good reasons for considering a combined Critical Illness and Life policy. The first reason relates to the Survival Period which is required for a valid critical illness claim. (All critical illness policies require policyholders to survive for a specific number of days following diagnosis of the illness. This is usually 28 days although some insurers have brought it down to 14 days.) If you have a combined Critical Illness and Life policy, then if you died within the Survival Period, whilst the critical illness part of your policy would be invalidated, your Life cover would still pay out. So by having a combined policy you're covered for all eventualities.
Secondly, it might seem strange, but often it's cheaper to buy a combined Critical Illness and Life Insurance policy than just critical illness alone. We don't want to bore you with the details, but insurance companies get tax breaks on their life insurance business which are not available for critical illness insurance. However, if they issue a combined Life and critical illness policy, that does qualify for the beneficial tax treatment and they pass these savings on in lower premiums.
CLICK HERE for more details about Life insurance or Life Assurance
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