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Critical Illness

Critical Illness Insurance

It's when you need to make a claim that you realise just how wise investing in a critical illness policy can be.

Considering just how many lives are affected by critical illnesses such as heart disease, cancer and stroke, it is surprising that more people do not take out critical illness insurance.

The principle is straightforward: in the event of one or more of the specified illnesses being diagnosed, the insurance company will pay out a lump sum after a specified survival period. Often, critical illness cover is combined with other types of insurance such as life insurance, for example, a given sum will be paid out on either a specified critical illness or death of the insured.

Note - Critical illness policies should be checked carefully as only some forms of cancer, heart attack and stroke are covered by this type of insurance.

IF THE POLICY HAS NO INVESTMENT ELEMENT THEN IT WILL HAVE NO CASH-IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

CRITICAL ILLNESS PLANS MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. THE DEFINITIONS VARY BETWEEN PRODUCT PROVIDERS AND WILL BE DESCRIBED IN THE KEY FEATURES AND POLICY DOCUMENT IF YOU GO AHEAD WITH A PLAN.

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86 Castle Street, Hinckley , Leicestershire, LE10 1DD

 

Company address: The Independent Mortgage Centre, 86 Castle Street, Hinckley , Leicestershire, LE10 1DD

The Independent Mortgage Centre is a trading name of Imperial Financial Planning Limited an Appointed Representative of 2plan wealth management which is authorised and regulated by the Financial Conduct Authority. Imperial Financial Planning is entered on the FCA register (www.FCA.org.uk) under no. 178502.

Imperial Financial Planning Ltd. Registered Office: Courtwood House, Silver Street Head, Sheffield, S1 2DU. Registered in England and Wales. Company No. 9447772.

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The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at customers based in the UK.

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