With advances in medical care more and more people now survive illnesses once thought to be fatal. Many people will go on to lead a relatively normal life, but they may not enjoy the same mobility or good health that they did.

 

Often big changes have to be made and this can affect their ability to earn the salary they did before.

 

Critical Illness Cover provides you with a lump sum or a monthly income, making it easier to cope financially when you need to concentrate on getting well.

 

Critical Illness Cover can be taken out on its own:
• Critical Illness Cover

 

or alternatively with life cover:
• Life or Critical Illness Cover

 

Your choices

It goes without saying that the choices you make will depend on your own particular circumstances.

You can choose to have Critical Illness Cover and Life or Critical Illness Cover paid in any of the following ways:

• A level lump sum
• An increasing lump sum
• A decreasing lump sum
• A level monthly income
• An increasing monthly income

And you can choose this cover for a single life or joint lives:

 

Single life can cover

• Just yourself

• Just your partner

• Both you and your partner - (two potential payouts)

 

 

Joint life covers

• Both you and your partner (one potential payout)

 

 

You can also add other covers to your plan to give you the right amount and type of cover for your own circumstances.