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Critical Illness.

Critical Illness offers alternative or additional cover to life insurance. It pays out the amount of money insured should the policyholder be diagnosed with having one of the specified Critical Illnesses. Not all companies have the same Critical Illnesses, so it is important that the policyholder is familiar with the inclusions and exclusions before any documentation is signed.

The illnesses usually covered are:

• Alzheimer's Disease before age 65
• Angioplasty
• Aorta graft surgery
• Benign brain tumour
• Blindness
• Cancer (most malignant types)
• Coma
• Coronary bypass surgery
• Deafness
• Heart attack
• Heart valve replacement or repair
• HIV/AIDs (named groups only)
• Kidney failure
• Loss of limbs
• Loss of speech
• Major organ transplant
• Motor neurone disease before age 65
• Multiple sclerosis
• Paralysis/paraplegia
• Parkinson's disease before age 65
• Permanent Total Disability (PTD) before age 65
• Pre-senile dementia before age 65
• Stroke
• Third degree burns

For your information, Critical Illness Cover tends to be 3-4 times more expensive than Life Insurance.

Saligo Bay Financial Services Limited is an Introducer Appointed Representative of Click Financial Limited, which is authorised and regulated by the Financial Services Authority, FSA Register number 311877.

QuoteLifeCover is a trading name of Saligo Bay Financial Services Ltd.