Hands up who thinks “Critical Illness can’t happen to me”?

We sincerely hope that it doesn’t happen to you, but history has shown the risks to be higher than many of us think.

Could you be the 1 in 5 men who suffer a illness before their normal retirement age?

The risks for women aren't much better. 1 in 6 women suffer a illness before their normal retirement age.

Critical illness Insurance Cover

Critical Illness Insurance pays out a tax-free lump sum if you are diagnosed with a critical or serious illness covered by your policy or an illness or condition which prevents you from ever working again* (* this is only applicable if your policy contains Total and Permeant Disability cover).

The key is - what represents a critical illness?

Every insurance company has its own list of illnesses for which its policyholders are covered. The illnesses include many from which you could die as well as many that, whilst not necessarily terminal, would certainly prevent you from working normally (for example blindness, loss of limbs, paralysis etc).

Working in association with LifeSearch, we can bring to you top quality cover with the big name insurance companies.

Now whilst you’re online, request a quote and a LifeSearch Life Insurance Adviser will call you to discuss your individual requirements and to give you a cheap quotation. Then before you finally decide to buy, you'll be sent a booklet in the post, provided by the proposed insurance company. You’ll will find a full list of the illnesses they’ll insure you against in that booklet.

Even with some of the worst illnesses you could survive many years

Sufferers of serious illness such as heart attacks, strokes and cancer often survive with the illness for very many years. During that time earning power may well be nil or only a fraction of what it was previously. Unless you can cope with a big drop in income and possibly an increase in living expenses, then the financial effects could be disastrous.

What Critical Illnesses are covered?

The types of critical illnesses covered by the insurance do vary between insurance companies but typically they will include the following: -

• Alzheimer’s disease
• Aorta graft surgery
• Aplastic anemia
• Bacterial Meningitis
• Benign brain tumour
• Blindness
• Cancer
• Cardiomyopathy
• Chronic lung disease
• Coma
• Coronary artery by-pass surgery
• Creutzfeldt-Jakob disease
• Deafness
• Dementia
• Heart attack
• Heart valve replacement or repair
• HIV or AIDs from an assault, blood transfusion, occupational duties or accident
• Keyhole heart surgery
• 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
• Progressive Supranulcear Palsy
• Stroke
• Third degree burns
• Total Permanent Disability
• Cover for children

Employment Cover

When you buy Critical Illness Insurance you are also usually insured for Total and Permanent Disability. This means that if you suffer from any illness or condition that prevents you from working again, then you can claim. But before the Insurance Company will pay out, they will want to know that you are too ill to ever work again.

The issue is what type of work does your illness prevent you from following?

Within most insurance companies, there are normally three alternative definitions of being “too ill to ever work again”. You have to choose one and your choice will significantly affect your premium: -

• A Illness that prevents you from continuing your own existing occupation. This is the most expensive option.

• A Illness that prevents you from following any occupation. This is the cheapest option.

• A Illness that prevents you from following any employment to which you are suited. This is priced between the previous two options.
  

Cheap premiums make Critical Illness Insurance
affordable

Thanks to the Cheaper Premiums available, everyone can afford Critical Illness Insurance. Customers could potentially save £5, £10 even £20 per month depending upon the size of their policy.

How much can you save?

Request a quote, fill in your details and within 24 hours you will be contacted by a professional Adviser from LifeSearch. You will then be able to discuss your needs and make the most of their professional knowledge.

All it takes is a minute to complete your details online and then you’ll be contacted with a quote tailored to your individual needs.

How can the prices be so low?

LifeSearch are big operators in insurance and, as a result, are able to command especially good deals from the insurance companies on their panel. These deals are reflected in amazing rates for their customers.

LifeSearch will action everything for you quickly and efficiently. Delivering low prices really does become a Team effort!

Personal Help is at hand

Many people value a little help. If you want help from a real live person, just request a quote, fill in your details and you will be telephoned by one of the SPECIALISTS at LifeSearch.

They’ll answer all your questions and help you find the policy you need.

But you’ll also find plenty of INFORMATION on this web site.
See our INFORMATION MENU shown on the left. You’re bound to find that helpful.

Can we Quote you for anything else?

I would like a lump sum if I die or become terminally ill.	You should consider Life Insurance
I would like my outstanding repayment mortgage paid off if I die or become terminally ill.	You should consider Mortgage Life Insurance
I would like my monthly mortgage repayments paid for me if I’m off work due to illness, accident or unemployment.	You should consider Mortgage Payment Protection Insurance (This link transfers you to the Protectiononline.com website, which is operated by British Insurance Ltd ) Disclosure Document for Mortgage Payment Protection Insurance
I would like a lump sum if I become critically or seriously ill.	You should consider Critical Illness Insurance
I would like a monthly income paid to my family if I die. This income should continue until the policy comes to an end.	You should consider Family Income Benefit Insurance

Ready to request a quote?

Follow the link to complete your personal details on the LifeSearch online quote request form, and you will be contacted within 24 hours by one of their Critical Illness Insurance Specialists.

The LifeSearch Experience

LifeSearch are one of the UK's largest Life Insurance Brokers. Simply Click on "get a quote" and you will be taken to their enquiry form. Once You have submitted your details, LifeSearch will call you to arrange an convenient time for one of their advisers to discuss in detail your life insurance requrements.

LifeSearch will provide you with a first class service, no obligation quotation based on a range of leading insurers to give you access to some of the most competitive rates around.

LifeSearch are authorised and regulated by the Financial Services Authority

Critical Illness Insurance is not the same as Terminal Illness insurance

A word of caution. Critical Illness Insurance is not the same as Terminal Illness Insurance. First of all Terminal Illness is included at no charge on most good life insurance policies whereas Critical Illness cover can be relatively costly.

Terminal Illness Insurance only pays out if you are expected to die from an illness within 12 months of diagnosis. On the other hand, Critical Illness Insurance pays out if you are diagnosed with any illness that is included within your policy’s defined list of critical illnesses. With Critical Illness Insurance your life expectancy is not an issue.

Now consider the fact 78% of stroke victims can be expected survive more than a year. All would have a claim under Critical Illness Insurance but only around 20% would have a claim under a Terminal Illness policy. We hope you will now understand the extra benefit of Critical Illness Insurance.

Be aware of the “survival period”.

With all policies you have to survive for a minimum number of days following diagnosis in order to claim. 28 days is the norm but some life Insurance Companies have reduced this to 14 days. Please check your proposed policy. The essential point is that if you die within the survival period the claim is not valid.

Could the family cope without your income?

At some stage most families are likely to cope with reduced income whether it be due to short-term illness or unemployment. But a lump sum payout from Critical illness Insurance would cushion you from the much more devastating financial situation caused by serious illness – long term loss, or drastic reduction of income.

Consider the possible implications if you found you had cancer. You should be aware that 35% of men and 46% of women who develop cancer survive at least 5 years. What happens to the family finances during those hard and stressful years? The bills keep coming in and the mortgage still has to be paid.

Could you cope with the financial effects of such illness? Critical Illness Insurance is the way to soften the financial consequences of such a possibility.

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