Critical Illness Cover

This will provide financial assistance to help you cope with the impact of surviving a serious illness.
  • Level critical illness cover

    • As with term assurance, cover can be purchased on a level basis, for family protection. The sum assured remains constant throughout the term of the policy.

  • Decreasing critical illness cover

    • If the purpose of the cover is to ensure that the mortgage is repaid in the event of you suffering a critical illness, then decreasing critical illness cover can be used. This is only appropriate if the mortgage is on capital repayment terms. With some insurers you will be able to select the interest rate on which the reducing amount of cover will be based.

  • Death or earlier critical illness cover

    • Critical Illness cover is most frequently available as part of a life insurance plan, although it is available on a stand-alone basis. Some insurers will only offer Critical Illness cover within a life policy and it is very often better value to purchase in this way. Essentially, the policy pays out in the event of EITHER critical illness or death whichever occurs first, and within the term of the plan.

  • TotalPermanent Disability

    • This is an additional benefit whereby cover is available should you become totally and permanently disabled.

    This benefit is offered at 3 different levels:

    Own Occupation

    - the benefit is payable if you are unable to continue to follow you current occupation as a result of the disability. This is the highest level of cover and may not be available to all depending on their occupation.

    Any Occupation

    - the benefit is payable if you are unable to undertake any occupation due to the disability.

    Work Tasks

    - the benefit will only be payable if you are unable to perform a specified number of activities of daily living such as holding a pencil, feeding oneself or washing. This is very basic level of cover which offers protection only when your quality of life is at its lowest.

  • Children’s cover

    • This is available with a number of insurers and is included within the premium quoted for the adult(s). Whilst no-one wants to consider the impact of a child suffering a critical illness, this cover is a valuable policy benefit.

    It provides cover for children, whether your own or legally adopted. Generally, all such children are covered although some insurers may restrict.

    The amount of cover available will vary with the insurer but generally covers children from the age of 30 days upto their 18th birthday.

    If a claim is made, this will not affect the critical illness cover for the adult(s) which remains intact.
 
Between the ages of 30 and 60, one-in-four people will suffer from a critical illness.2

To get a competitive quote complete the basic information below.
Select Single or Joint
Client 1
First Name
Surname
Sex



Date of Birth
Do you smoke?


Type of Insurance required
How long do you need cover for?
How much cover do you need?
Telephone Number
Email address


To help us distinguish between information submitted by individuals and those automatically entered by software robots please type the numbers shown here, into the box below, and then click 'Proceed >>', thank you.



Numbers:
                          
2 Source: Datamonitor UK Health Insurance 2003
 

 
Your home may be repossessed if you do not keep up repayments on your mortgage.
An administration fee may apply, a typical example would be £250. Terms and Conditions may apply.
   
 
CALL FREE ON 0800 587 2549
 
Find us on Facebook Follow us on Twitter Fenton Simpson Blog
 Abbey   Accord Mortgages    Alliance &Leicester    Bank of Scotland    Bank of Ireland   Bristol and West    Buildstore Build Loan    Chelsea Building Society    Cheltenham and Gloucester   Cheshire Building Society    First Active    First National    Future Mortgages       Halifax      Kensington   Leeds & Holbeck Building Society   Mortgage Express    Mortgage Nest    Mortgages Plc    Nationwide NatWest    Northern Rock    Aviva    The Royal Bank of Scotland    Scottish Widows Bank    Skipton Building Society    Southern Pacific Mortgage Limited   The Mortgage Works   The One Account      The Woolwich     Abbey   Accord Mortgages    Alliance &Leicester    Bank of Scotland    Bank of Ireland   Bristol and West    Buildstore Build Loan    Chelsea Building Society    Cheltenham and Gloucester   Cheshire Building Society    First Active    First National    Future Mortgages       Halifax      Kensington   Leeds & Holbeck Building Society   Mortgage Express    Mortgage Nest    Mortgages Plc    Nationwide NatWest    Northern Rock    Aviva    The Royal Bank of Scotland    Scottish Widows Bank    Skipton Building Society    Southern Pacific Mortgage Limited   The Mortgage Works   The One Account      The Woolwich   
© Fenton Simpson. Fenton Simpson Financial Services is authorised and
regulated by the Financial Services Authority