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Life And Critical Illness Cover

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Nobody expects a severe and life-threatening illness to happen to them. However, that is not how life works. Statistics show that 25% of men and 20% of women will suffer from a critical illness such as cancer or a heart attack prior to approaching retirement age. While medical treatment is more advanced than it has ever been, it’s still vital to consider life and critical illness cover to protect your family in the event of a serious illness.

Individuals often consider what might happen to their family in the event of their death. Still, usually, this is considered only through natural causes or accidents at work or in general life. However, life-threatening illness is another issue to recognise, and life insurance with critical illness cover can help your family overcome these problems.

What is Life and Critical Illness Cover?

Critical illness cover is designed to provide financial support and stability for families of individuals with a severe and potentially life-threatening illness. It is similar to regular life insurance. However, the key difference is that the policy will pay out at diagnosis rather than at the time of death.

This policy allows families to make preparations for premature death, including funeral costs, mortgage or rent payments, childcare, and also to support the individual if they are unable to work due to the illness. It helps to maintain the standard of living. It also assists with cash-flow issues, especially if your partner and dependents are unable to work themselves, whether due to care responsibilities or age restrictions.

You can combine critical illness insurance with standard life insurance policies, or you can apply for it as an independent policy.

All critical illness policies cover seven specific ‘core’ conditions. These conditions are:

  • Cancer
  • Coronary artery bypass
  • Heart attack
  • Kidney failure
  • Major organ transplant
  • Multiple sclerosis
  • Stroke

You can also get cover for a range of other conditions. However, these conditions will vary between insurance providers. This is why it’s essential to do your research and compare critical illness cover UK quotes to ensure that you get the best deal.

Critical illness insurance will not cover pre-existing conditions, non-invasive cancer, broken bones or similar injuries, or hypertension. If you are unsure of which conditions are sure, or at least likely, to be covered, consider whether the disease will affect life expectancy. If it could lead to ‘premature’ death, then it is likely to be accepted and covered under the insurance premium.

Insurance providers will also take several factors into account when determining the cost of your coverage. These factors generally include:

  • Your age
  • Your lifestyle (smoker/non-smoker, etc.)
  • Your medical history (you and your family)
  • Your gender
  • Your term
  • The assured sum

The older you get, the higher the monthly cost will be. Likewise, as men and women are prone to different illnesses, you may need to pay a certain amount, whereas your partner may pay more or less for the same policy.

Comparing Nationwide Critical Illness Cover UK Wide

To help you find the best policy for your needs, Discount Life Cover will work to compare critical illness cover from a range of partners and insurance providers across the UK. While these providers all offer substantial and satisfactory coverage policies, it’s essential to find the right one for you.

With a range of options available, Discount Life Cover will search for a variety of insurers across the market to locate and recommend the ideal company to provide you with the right policy.

To ensure that we find the right coverage for you, we take several factors into account. These primary factors include:

  • The reputation of the provider
  • The clarity of the policy wording
  • Approved illness definitions

We also think about the number of conditions that are covered. This includes any additional issues that could factor into the quality of the policy. There is also a focus on the percentage of claims paid out, and the higher the number, the more beneficial we think it will be for you. Cost is also a factor that we think about whenever finding your insurance company.

These are not the only aspects that go into recommending the right cover for you. While it’s always tempting to try to keep the cost of your monthly payments to a minimum, we also understand that this may not offer you adequate coverage. In these instances, Discount Life Cover will provide an ‘Advised Sale’ which we believe is most suitable to your situation.

Our expert advisors take this information into account when recommending the ideal insurance firm, and our critical illness comparison form and tool will scour information about the entire to identify which policy is right.

The most well-known providers in the UK include:

  • Aegon
  • Aviva
  • Guardian
  • Legal & General
  • Liverpool Victoria
  • Royal London
  • Scottish Widows
  • Zurich

These insurance companies will mostly offer general critical illness cover; however, others may provide more specialist treatment and illness cover. It’s useful to remember this when deciding which policy to pursue. You may also want to consider the length of the policy, how much coverage you will need, the combination of critical illness and life insurance, guaranteed versus renewable premiums, and existing medical conditions that could affect the cost.

It’s important to remember that the premiums offered are general costs, and they will not take your personal or family medical into account. With this in mind, the price may be slightly different from what appears on the initial quote.

To provide the best insurance rate possible, discount Life Cover will apply our exclusive discount after comparing the best policies and prices for you. This ensures that you will not find a cheaper quote anywhere in the UK and guarantees that you and your family are covered and protected in the event of an illness or potential disability following an accident at work or in general.

How Much Critical Illness Cover Do I Need?

The amount of critical illness cover needed its really down to your debts you want to cover along with how much money you might need in the event of a critical illness. Many people will take out critical illness cover with life insurance to cover a mortgage. So for example if your outstanding mortgage debt is £100,000, you may decide to take out £100,000 of life and critical illness cover. It also comes down to how much critical illness insurance you can afford. The more cover you take out the higher your premiums will be. So its worth playing comparing critical illness online to see how much you can afford.

Do I Need Critical Illness?

Critical Illness Insurance is possibly more important to many than life insurance. Life insurance will only pay our in the event of death, but its much more likely that you will suffer a critical illness before the age of 65 than actual death. 1 in 2 people will now contract cancer which is the number one claim for critical illness insurance. This is followed by heart attach and stroke. As we live longer, the chances of serious illness is higher.

Having large debt is a very good reason to have critical illness insurance. For example, would you be able to carry on working if you had cancer. What if you had a stroke which left you with permanent damage? Nobody is going to pay your mortgage for you! To be able to pay off debts and be mortgage free would mean you are able to stay in your property and concentrate on getting better.

What Is Covered?

Most people would take out life insurance with critical illness, but there are companies that offer critical illness cover only. However you will often find that critical illness cover without life insurance is often more expensive as you will not be able to compare the whole of market.

A typical critical illness policy will cover the below conditions.

  • Cancer
  • Coronary artery bypass
  • Heart attack
  • Kidney failure
  • Major organ transplant
  • Multiple sclerosis
  • Stroke

Most policies will also payout if you, as the policyholder, become permanently disabled following a condition or injury. You can also enquire about other conditions, although these will vary depending on the insurance company.

The coverage can be added to existing life insurance policies, or you can apply for the insurance independently. With combined policies, you will find the premiums are cheaper as the insurance company will only pay out a single lump sum rather than two separate ones.

Standard critical illness cover is applicable for individuals between the ages of 17 and 70, as this is considered the range where death could be classed as premature.

How Is Does Critical Illness Cover Cost?

Several factors determine the cost of life & critical illness insurance, and these factors help the insurance firm provide the fairest and most appropriate price for your policy. These factors include:

  • Age
  • Smoker/Non-Smoker
  • Current health
  • Current weight
  • Family Medical History
  • Occupation
  • Amount of cover required

Certain lifestyle choices will affect the cost and payout of your cover. Those considered at-risk of life-threatening illnesses, such as lung cancer due to smoking or working in a hazardous environment such as a construction site, are some of the primary reasons where you may see differences in the amount of cover you are entitled to.

It’s essential to carry out life and critical illness cover to mitigate the damage from sudden financial burden. While it is beneficial for assisting your family after you die, it is also possible to claim it while you recover, especially if your partner and children are unable to work to help financially.

Who Offers The Best Critical Illness Cover?

So which providers offer the best critical illness cover UK wide? There are many companies is the UK which offer critical illness and at DiscountLifeCover.co.uk we compare all of them.

All providers who offer critical illness insurance must come up to the standards set by the ABI (Association of British Insurers) in order to call it "critical illness insurance" For this they must cover some core illnesses and be prepared to pay out claims at a certain severity. Most companies wil cover between 45 to 80 different illness, but all of them will cover the main ones such as heart attack, stroke and cancer. After the main illnesses they all try to out do each other by offering different illnesses. For Example Legal and General's standard critical illness cover's 37. With thier CIC Extra they go up to 91. However some of these are partial payouts for less serious illness's. Zurich's Select proposition claims to offer the most illness's with 99 definitions. When comparing the best critical illness cover its also important to look at ABI plus definitions. This is where the provider goes over and above what is suggested from the ABI. There is lots of different factors to take into account and your preferences may be different to others. For ease of use why not check out this handy critical illness comparison pdf. For a more in depth comparison, why not check out our blog on the best life insurance in the UK.

What We Do

Here at Discount Life Cover, we compare the whole of market for Life & Critical Illness cover which means you get the best deal. Some of the top providers we compare are:

  • Legal & General
  • Aviva
  • Royal London
  • Zurich
  • AIG
  • Liverpool Victoria
  • Vitality Life

By analysing policy quotes and costs from these well-known companies, we can find you the best possible price for you. It’s not always about the price, though. You must consider what is included in the policy. To ensure that you can find the ideal life and critical illness cover for you, Discount Life Cover will also offer an Advised Sale option to help you best understand the correct insurance policy for you and your needs.

Discount Life Cover combines easy to use quotation practices with experienced advisors to bring something new to the table. With these practices, we can guarantee to you that your search for a suitable and satisfactory Life and Critical Illness cover policy be comfortable, accessible, and straightforward.

Get a Free Quote Today!

If you are suffering from a critical illness and need to compare Life & Critical Illness quotes, get in touch with Discount Life Cover today. Fill in a free online quick quote form, or to speak to a qualified and experienced advisor, don’t hesitate to get in touch 0207 112 8844 for more information.

Compare Critical Illness Cover

Critical illness insurance is a vital type of coverage designed to assist families in the event of the death of a family member following a life-threatening illness. While standard life insurance policies deal with premature deal following an accident or injury, critical illness cover deals solely with diseases that can happen at any age and therefore affect financial stability.

Discount Life Insurance…Why Use Us

We are an online advice service and as such have little overheads which enables us to give away more commission enabling us to me extremely competitive on price.

Having said all this, life insurance is not always about price and there are differences in the types of cover offered by providers. So we also provide an “advised sale” which means that we take on responsibility to make sure the policy you take is the right one and the most suitable for your circumstances.

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