Critical Illness Cover
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What is Critical illness Insurance
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  Adding Critical Illness insurance cover to other plans

Something a lot of people are unaware of is the fact that as well as this benefit being sold as a standalone plan it can also be used as an add-on to other plans, such as Endowments Whole of life cover Mortgage protection insurance and Term insurance.

This means that you can take out life cover and you build in what is known as accelerated critical illness benefit. This means that you have the sum assured for death but if you suffer a critical illness then the benefit is then paid out to you, hence "accelerated benefit".

However the downside is the benefit has been paid so you no longer have any life cover. For this reason you can select additional critical illness cover this means that it will pay out for critical illness but the plan will still continue and be ready to meet a death claim if necessary in the future.

Some life companies have buy back options allowing you to buy back life cover after a critical illness claim, they just charge a slightly higher premium at outset to cover the increased risk that this represents.

Critical illness insurance companies
45 Market Street
CH47 2BQ

Tel 0800 083 6050

Fax 0151 632 2117


Office Hours
9am - 5pm