Critical Illness cover is a long term insurance policy that will pay out a tax free lump sum on the diagnosis of one of the serious illnesses covered by the policy, it is designed to enable you to pay off a mortgage, debts, pay for alterations to your home (e.g wheelchair access) or even to just give you a lump sum in the event you may be unable to work for a few years.
Unfortunately the statistics say that 1 in 3 people will get cancer at some stage in their lives, and through experience that does not necessarily mean when you are older, as personally the people that I know who have contracted the disease have really varied in age.
Most insurance policies will cover at least the following:
- Alzheimer's Disease
- Aorta Graft Surgery
- Benign Brain Tumour
- Coronary Artery By Pass Grafts
- Heart Attack
- Heart Valve Replacement or repair
- HIV Infection
- Kidney Failure
- Loss of Speech
- Loss of Hands or Feet
- Major Organ Transplant
- Motor Neurone Disease
- Multiple Sclerosis
- Paralysis of Limbs
- Parkinson's Disease
- Terminal Illness
- Third Degree Burns (covering 20% of the body)
- Traumatic Head Injury
- Total Permanent Disability
However some policies can cover over 50 illnesses.
These types of policies will be more expensive the older you are when you take them out, so it is always advisable to try and protect yourself as early as possible, however it is worth reviewing your current situation with one of our partners, who can advise you of your need, or even if you are currently paying too much for your existing policy.
As with everything else, we will put you in touch with an Independent Financial Advisor who will be directly authorised by the FCA (Financial Conduct Authority) and any policy taken out, your nominated football club will receive up to 10% of the commission received by the advisor.Help your football club now
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