Another form of life insurance that may be suitable for you is critical illness cover. This is a policy that pays out a lump sum if you are diagnosed with a critical illness. The critical illness would need to be defined under your policy wording.
The definition of a critical illness varies with each provider so it’s important to check what you are covered for. Critical illness cover will potentially exclude certain conditions from your cover depending on any pre-existing medical conditions that you have. When taking out your policy, it is important to check what you are covered for.
It is important to remember that the older you are, the more difficult it is to get a critical illness policy. You should also expect to pay higher premiums depending on your age.
Furthering this, once you reach a certain age (differs with each provider) then critical illness cover is not available to you. Our experts can check across our range of insurance providers to see if critical illness cover can be provided for you.
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There may also be other lesser known life insurance products available to you, each with their own benefits. Our team can see what products you are eligible for and help you decide.
It is important to choose the right insurance product for your personal circumstances as well as your budget. As you get older, the cover available to you may reduce or your premiums will rise. However if you are over 50 and looking for life insurance, we can go through your options with you.
Our expert advisors will always help you to get the best cover for your circumstance. We know that every person is individual, so we can make sure your policy is individual to you too.
The perfect time to take out life insurance is as soon as possible. Our easy to use quote form can help you submit your details to us quickly. Our expert team can then help you find a policy that you are happy with.