Life Insurance

Life Insurance is a vital protection plan to provide a financial safety net for your loved ones whether it is to protect a mortgage or not we can offer free independent protection advice.

Critical Illness

Critical Illness protection is a protection plan that will pay out upon on diagnosis of a critical illness during the term of the plan.

The most common critical illness’s claimed for being Cancers, Heart Attack, Stroke however most critical illness policies will cover in excess of 50 conditions. A illness pay-out can mean you can take the required time to make a full recovery without the worry of any financial stress of returning to work to fund mortgage payments or lifestyle costs.

Critical Illness cover pays a lump sum on diagnosis with a qualifying critical illness. A lump sum payment towards the mortgage eases financial worries during the traumatic times.

Typical critical insurance covers:

Alzheimer’s Disease – resulting in permanent symptoms

Aorta Graft Surgery – requiring surgical replacement

Aplastic Anaemia – with permanent bone marrow failure

Bacterial Meningitis – resulting in permanent symptoms

Benign Brain Tumour – resulting in permanent symptoms

Blindness – permanent and irreversible

Cancer – excluding less critical cases

Cardiomyopathy – of specified severity

Coma – resulting in permanent symptoms

Coronary Artery By-Pass Grafts – with surgery to divide the breastbone

Creutzfeldt-Jakob Disease (CJD) – resulting in permanent symptoms

Deafness – permanent and irreversible

Dementia – resulting in permanent symptoms

Encephalitis – resulting in permanent symptoms

Heart Attack – of specified severity

Heart Valve Replacement or Repair – with surgery to divide the breastbone

HIV infection – caught from a blood transfusion, physical assault or accident at work

Kidney failure -requiring dialysis

Liver failure – of advanced stage

Loss of hands or feet – permanent physical severance

Loss of Speech – permanent and irreversible

Major Organ Transplant

Motor Neurone Disease – resulting in permanent symptoms

Multiple Sclerosis – with persisting symptoms

Paralysis of limbs – total and irreversible

Parkinson’s Disease – resulting in permanent symptoms

Primary Pulmonary Hypertension – of specified severity

Progressive Supranuclear Palsy – resulting in permanent symptoms

Respiratory failure – of advanced stage

Stroke – resulting in permanent symptoms

Systemic Lupus Erythematosus – with severe complications

Terminal Illness

Third Degree Burns – covering 20% of the body’s surface area

Total and Permanent Disability

Traumatic head injury – resulting in permanent symptoms

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.