Critical Illness

We all insure our houses, contents and cars, but how many of us insure the income that pays for all these things? What would you do if you suddenly had a critical illness and were unable to work and your income dried up? Critical Illness covers any one of 35 conditions ranging from heart attack, strokes, MS, Motor Neurone Disease, coronary artery bypass, Parkinson's Disease and many other things. The sum you originally insure for will usually be paid out, 28 days after the condition has been diagnosed. It can cover any amount you consider necessary to cover your total liabilities such as mortgages, car loans, credit cards, business loans etc. Quotation

Income Protection

Again we all insure our material goods but few cover the income that pays for all these things. If you are unable to work after an illness or accident, the state benefits start at about £67 per week and would not cover your normal household expenses. You are able to insure up to 75% of your income for any term up to 75 years of age. Premiums depend on your occupation and age and you can choose for benefits to be paid after a deferred period of 4 weeks, 13 weeks, 26 weeks or 52 weeks, depending upon your own circumstances. Premiums are higher, the shorter the term, before you are paid. Quotation