[av_heading tag=’h3′ padding=’10’ heading=’Critical Illness Insurance’ color=” style=” custom_font=” size=” subheading_active=” subheading_size=’15’ custom_class=”][/av_heading] [av_one_half first min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’] [av_textblock size=’14’ font_color=” color=”] Why should your clients choose our Critical Illness

Cover?

We understand that you want to recommend the

most

suitable cover for your clients. That’s why our

Critical

Illness Cover delivers value where it counts.

We offer cover for 54 critical illness definitions.

And 16 of these exceed the ABI standard

definitions.

We also cover 10 additional conditions which pay

out 25% of the amount of cover, up to a maximum

of £25,000.

And if a client claims for an additional condition

and then later meets one of our main critical illness

definitions, they’ll still get the full amount they’re

covered for.

How it works

We offer Critical Illness Cover in our Personal Menu Plan

and Business Menu Plan. And your clients can choose

Critical Illness Cover on its own or they can take out Life or

Critical Illness Cover.

The benefits of our Critical Illness Cover

Cover where it matters

We’re in business to pay claims, so we offer cover where it

matters by focusing on conditions people are more likely to

get. We’ve made sure we offer some of the best definitions

for our 5 most common reasons to claim – cancer, heart

attack, stroke, multiple sclerosis and children’s critical illness.

And our 10 additional conditions include 7 early

forms of cancer.

Children’s Critical Illness Cover

If your clients take out Critical Illness Cover, we’ll also

include cover for their children – from birth to age 21 – at

no additional cost. We’ll pay 50% of the cover amount up to

£25,000 and we don’t exclude conditions present at birth.

Personal support

Your clients and their families (spouse/partner and children)

will have access to our Helping Hand support service at no

extra cost. They can use the service from the day their plan

starts, even if there’s no claim.

They’ll get tailored support from a personal nurse adviser

from RedArc, an independent care advisory service. Their

nurse adviser can also arrange additional services to support

their recovery – such as a face-to-face second medical

opinion, physiotherapy or complimentary therapies.

And we’ll also give them access to medical, career and legal

helplines so they can get independent advice whenever

they’re going through a difficult time.

Cover sooner rather than later

Your clients could qualify for Free Cover while we

underwrite their applications.
[/av_textblock] [av_toggle_container initial=’1′ mode=’accordion’ sort=”] [av_toggle title=’What is Critical Illness’ tags=”] A “critical illness” is a life-threatening condition, and is usually defined in an insurers policy documents.
[/av_toggle] [av_toggle title=’How Does It Work?’ tags=”] Critical illness cover pays a tax-free lump sum if you’re diagnosed with a critical illness during the policy term.

Provided you keep paying your premiums, you should be covered throughout the term. Once the policy term ends, all protection stops.

When you take out a policy you can decide how long it will last e.g. until your children have grown up, or until the mortgage is paid off. You can even set it to run for life.

You can also usually choose the payout amount, with higher premiums payable for higher amounts.

Critical illness cover is often available as an add-on with a life insurance policy. In these instances, you can often only claim once.

For example, if you get a cash payout after being diagnosed with cancer, the policy is effectively finished. There is usually no life insurance payout if you die at a later date.
[/av_toggle] [av_toggle title=’Who Needs It?’ tags=”] Different people will need critical illness cover for a variety of reasons.

If you’re single, you might want a policy to ensure your mortgage is paid, and some form of cover is often a requirement of the mortgage application.

If you have children, you may want to ensure your family is provided for if you can’t work due to ill health.

Recovering from a critical illness can also mean extra costs for you and your family e.g. making changes to your home or car. Your payout could be used to cover this.
[/av_toggle] [av_toggle title=’Should I Get Critical Illness Insurance?’ tags=”] Most people could benefit from a critical illness policy, but the impact of the premium and the benefit of the payout will vary from person to person.

It’s a matter of weighing up the monthly cost against the benefits of a payout. If you and your family depend heavily on your salary, it could be exactly the kind of protection you need.

If you have no financial commitments or dependants, critical illness insurance may not be for you.
[/av_toggle] [av_toggle title=’How Much Cover Do I Need?’ tags=”] Traditionally, critical illness plans pay out the full amount regardless of how serious your illness actually is.

Some offer severity-based cover, where the payout depends on how bad your illness is.

When deciding on how much cover you need, think about what you would lose if you were unable to work due to illness.

Also, think about what financial commitments you would still have, such as children or a mortgage.

Try using our life insurance calculator, which can help you figure out how much cover you may need.
[/av_toggle] [av_toggle title=’Which Illnesses Are Covered?’ tags=”] Illnesses covered will vary between insurers, so it’s important to check the details of a policy before you buy.

Policies commonly cover illnesses such as cancer, heart attacks and strokes, and may include optional add-on illnesses.

Other conditions that could be classed as critical illness include:

  • Major organ transplant
  • Parkinson’s disease
  • Deafness
  • Traumatic head injury
  • Bacterial meningitis

A critical illness and terminal illness are different things – a standard life insurance policy should cover any illness where you are expected to die within 12 months of diagnosis.
[/av_toggle] [av_toggle title=’Your Medical History’ tags=”] You’ll be required to give some details about your medical history in order to get a critical illness insurance quote.

This is so that an insurer can determine how much of a risk you are, and calculate an accurate price.

It’s important to be honest here – your insurer could void any future claims if they find out that the information on your application is false.

Most policies also carry an initial exclusion period, during which you’ll be unable to claim. A typical exclusion period is three months.
[/av_toggle] [/av_toggle_container] [/av_one_half][av_one_half min_height=” vertical_alignment=” space=” custom_margin=” margin=’0px’ padding=’0px’ border=” border_color=” radius=’0px’ background_color=” src=” background_position=’top left’ background_repeat=’no-repeat’] [av_contact email=’admin@h4media.co.uk’ title=’Contact us about Critical Illness Insurance Today’ button=’Submit’ on_send=” sent=’Your message has been sent!’ link=’manually,http://’ subject=” autorespond=” captcha=” form_align=” color=”] [av_contact_field label=’Name’ type=’text’ check=’is_empty’ options=” multi_select=” width=”][/av_contact_field] [av_contact_field label=’E-Mail’ type=’text’ check=’is_email’ options=” multi_select=” width=”][/av_contact_field] [av_contact_field label=’Subject’ type=’text’ check=’is_empty’ options=” multi_select=” width=”][/av_contact_field] [av_contact_field label=’Message’ type=’textarea’ check=’is_empty’ options=” multi_select=” width=”][/av_contact_field] [/av_contact] [/av_one_half]