Protect the Investment in You

If you were diagnosed with a serious medical condition and looking at a lengthy treatment schedule, which you may or may not survive, how would you cope financially?

You and your loved ones are likely to be very vulnerable in such a situation. So, on the basis that you would be unable to work during this period your financial commitments would still need to be met.

The Basics

Critical Illness essentially pays out a lump sum upon diagnosis of any one of a series of pre-determined conditions. So, if you are diagnosed with a serious or critical illness, you will receive a lump sum to use as you wish to settle financial commitments or future objectives for those who are left behind.

Occupation Specific Cover

As part of Critical Illness there is also an extension to the product known as Total and Permanent Disability, which provides cover in the event that you lose a limb, digit or eye, for example. Many insurers will not pay out in this instance if it is deemed you can work in another capacity, such as stacking shelves in a supermarket, which could drastically affect your income. However, we believe it is important that you consider the own occupation feature as this means that the policy will pay out if the injury prevents you from working in your current capacity.

If you would like to discuss your requirements with one of our Independent Financial Advisers then please click here, complete the enquiry form, and we will contact you to assess your circumstances, review the market place and then present options for you to consider.