Our professional advisers are trained to help identify any liabilities to your circumstances and recommend the appropriate insurance for you.
Coming to terms with the loss of a loved one is never an easy thing to do and adding financial burden to the grief can make coping increasingly difficult. It can help to support your family after you die. There are different types of Life cover and our advisers will help you find the most appropriate to your circumstances.
Although critical illness cover is sold by life assurers, there is a big difference when compared with life insurance. Firstly, you don’t have to die to benefit from the critical illness insurance policy. This type of cover is designed to pay out a (tax-free) lump sum in the event of you suffering from certain types of serious illness or if you have to undergo certain types of surgery. The lump sum paid out by the critical illness insurance is to help with the extra costs incurred as a result of contracting a particular condition but it’s important to note that it only pays out if you contract one of a defined list of illnesses specified in your policy. It is important to remember that if you contract an illness which is not covered on your policy you will not receive a payout and as many of these policies differ in what they cover so you should always check your policy.