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Home / - Critical Illness Life Insurance Cover
The aim is to provide a guaranteed lump sum (or income if provided within a Family Income Benefit policy) if the life assured, during the period of cover, is diagnosed as having one of a number of specified critical illnesses covered by the policy.
Will you get a Critical Illness?
Click below to learn more about each Critical Illness that is usually covered.
Alzheimer’s disease
Aorta graft surgery
Aplastic anaemia
Bacterial Meningitis
Benign brain tumour
Blindness
Cancer
Coma
Coronary artery by-pass surgery
Creutzfeldt-Jakob disease
Deafness
Dementia
Heart attack
Heart valve replacement or repair
HIV or AIDS from assault
Aorta graft surgery
Aplastic anaemia
Bacterial Meningitis
Benign brain tumour
Blindness
Cancer
Coma
Coronary artery by-pass surgery
Creutzfeldt-Jakob disease
Deafness
Dementia
Heart attack
Heart valve replacement or repair
HIV or AIDS from assault
HIV or AIDS from blood transfusion
HIV or AIDS from occupational duties or accident
Kidney failure
Loss of independent existence
Loss of limbs
Loss of speech
Major organ transplant
Motor Neurone disease
Multiple Sclerosis
Paralysis - Paraplegia
Parkinson’s disease
Stroke
Third degree burns
Total permanent disability to age 65
NEWS
Research looks at cell behaviour in breast cancer patients
24 June 2008 18:02:48
Researchers are hoping to improve the diagnosis and treatment of breast cancer patients by understanding how cancer cells spread to other parts of the body.
Metastasis (the invasion and spread of cancer cells) is, according to Science Daily, the principle cause of death in patients with breast cancer.
The spread of breast cancer to other parts of the body most often occurs through vascular invasion, that is, through lymphatic and blood vessels.
Findings from the university of Nottingham research team have prompted a larger research project funded by Cancer Research UK.
Using specimens from over one thousand early stage breast cancer patients, the teams hope to "determine whether Lymphatic Vascular Invasion can be incorporated into an improved prognostic index for early stage breast cancer".
A report by the Association of Public Health Observatories released today (June 24th) has established major inequalities in health throughout the UK.
According to the statistics, people living in wealthier areas of the country, such as Kensington and Chelsea had the lowest rate of premature death from cancer.
Women from Chelsea and Kensington can expect to live beyond 87, which was nearly nine years longer than the average for women in Liverpool.
Life insurance: Sizing up the options
19 November 2007 10:25:15
Individuals who develop serious illnesses such as Aids or cancer ought to choose whole life insurance over the term alternative, it has been suggested.
According to PR-USA, the goals, investment style and risk tolerance of insurance consumers determine whether term or whole life cover is the best option for them.
"All life insurance pays a death benefit when the policyholder dies," explained the news provider.
"The goal is to alleviate the financial burden created when an income-producing family member dies unexpectedly - at least for a period of time," it continued.
Critics of term life have highlighted that individuals face an important juncture when their "term" runs out.
"If the policyholder has developed a serious illness, insurance companies may not be willing to insure the life - or the premiums will be so high that the insurance will be out of reach," stated PR-USA, pointing out that with whole life, coverage continues no matter what health problems the policyholder develops.
Independent financial advisors Life Direct recently observed that more people are opting for term instead of whole life insurance as it is the cheapest type of life policy, giving the biggest amount of cover for a given monthly premium.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, critical illness and life insurance advice online
UK life insurance 'cheaper' as people live longer
13 December 2007 13:27:36
Cheap life cover is easier to come by in the UK as critical illness treatments improve and individuals live longer.
That is the view of one set of independent financial advisers, who pointed out that insurance providers "are not expecting people to die".
A spokesperson for Libra Financial Planning observed: "The impact of medical improvements is quite significant on our population and that's why people are living longer…healthier lifestyles, those sorts of things. And this does have an impact of life assurance."
The financial specialist continued: "Life insurance companies aren't expecting people to die - they're more likely to have a critical illness like cancer or heart disease."
Recent figures released by the Financial Services Authority revealed that life expectancy for British men will be 81 by 2031, while the average woman will live until the age of 85.
Libra's representative concluded that the UK's life insurance market has been the largest in Europe and the third largest in the world because it is "very competitive" with a varied and sophisticated range of products.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, critical illness and life insurance advice online
24 June 2008 18:02:48
Researchers are hoping to improve the diagnosis and treatment of breast cancer patients by understanding how cancer cells spread to other parts of the body.
Metastasis (the invasion and spread of cancer cells) is, according to Science Daily, the principle cause of death in patients with breast cancer.
The spread of breast cancer to other parts of the body most often occurs through vascular invasion, that is, through lymphatic and blood vessels.
Findings from the university of Nottingham research team have prompted a larger research project funded by Cancer Research UK.
Using specimens from over one thousand early stage breast cancer patients, the teams hope to "determine whether Lymphatic Vascular Invasion can be incorporated into an improved prognostic index for early stage breast cancer".
A report by the Association of Public Health Observatories released today (June 24th) has established major inequalities in health throughout the UK.
According to the statistics, people living in wealthier areas of the country, such as Kensington and Chelsea had the lowest rate of premature death from cancer.
Women from Chelsea and Kensington can expect to live beyond 87, which was nearly nine years longer than the average for women in Liverpool.
19 November 2007 10:25:15
Individuals who develop serious illnesses such as Aids or cancer ought to choose whole life insurance over the term alternative, it has been suggested.
According to PR-USA, the goals, investment style and risk tolerance of insurance consumers determine whether term or whole life cover is the best option for them.
"All life insurance pays a death benefit when the policyholder dies," explained the news provider.
"The goal is to alleviate the financial burden created when an income-producing family member dies unexpectedly - at least for a period of time," it continued.
Critics of term life have highlighted that individuals face an important juncture when their "term" runs out.
"If the policyholder has developed a serious illness, insurance companies may not be willing to insure the life - or the premiums will be so high that the insurance will be out of reach," stated PR-USA, pointing out that with whole life, coverage continues no matter what health problems the policyholder develops.
Independent financial advisors Life Direct recently observed that more people are opting for term instead of whole life insurance as it is the cheapest type of life policy, giving the biggest amount of cover for a given monthly premium.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, critical illness and life insurance advice online
13 December 2007 13:27:36
Cheap life cover is easier to come by in the UK as critical illness treatments improve and individuals live longer.
That is the view of one set of independent financial advisers, who pointed out that insurance providers "are not expecting people to die".
A spokesperson for Libra Financial Planning observed: "The impact of medical improvements is quite significant on our population and that's why people are living longer…healthier lifestyles, those sorts of things. And this does have an impact of life assurance."
The financial specialist continued: "Life insurance companies aren't expecting people to die - they're more likely to have a critical illness like cancer or heart disease."
Recent figures released by the Financial Services Authority revealed that life expectancy for British men will be 81 by 2031, while the average woman will live until the age of 85.
Libra's representative concluded that the UK's life insurance market has been the largest in Europe and the third largest in the world because it is "very competitive" with a varied and sophisticated range of products.
Direct Life and Pensions Services Ltd are one of the UK's leading providers of life insurance, term life assurance, mortgage protection, critical illness and life insurance advice online