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CRITICAL ILLNESS
Critical Illness cover is a means of replacing income (by way of the payment of a lump sum) in the event of  diagnosis of life threatening illness from which you may or may not recover, but could substantially restrict the ability to earn future income 

 

  Do I need this cover                 *  Benefits               *  Illnesses covered       

 *  Apply for immediate on-line term quotes and applications    *  Request comprehensive quote

 

You can obtain immediate on-line term quotations by using our facility at  image002.gif (3352 bytes) (click the logo)

 

A more comprehensive comparison including Whole of Life Critical Illness may be obtained by completing the following:

Critical Illness Quotation Request Form

 

1st Applicant

2nd Applicant (if applicable)

Surname
First name(s)
Title
Date of Birth
Address  
Postcode  
Do you smoke ?  
Cover required    £
Term of cover in whole years

Basis of cover

If Whole of Life enter WOL

 

 

Single or Joint Life ?

 
Cover to include    
Telephone: Email:

 

 

 

 A Full Quotation, Key Features Document and relevant brochures will be sent to you.   

  A fuller guide to Critical Illness can be found by visiting our sister sites at http://www.ftwifa.co.uk/  &  http://www.elifecover.co.uk/        

 

Why Critical Illness Cover ?   The statistics:

 The chances of suffering a critical illness rather than dying before the age of 65 are:

  • 2.4 times greater for a male aged 30

  • 3 times greater for a female aged 20

*    Every adult in the UK is 5 times more likely to suffer a serious disability than to die before the age of 60

*    Each year c680,000 people under the age of 65 suffer a heart attack, cancer or stroke - most of them survive

*    Many life-threatening illnesses can now be treated with such success that a man or woman with invasive cancer or a heart condition can still expect to survive and enjoy a good life span. But how valuable are those extra years if money is a problem ?  Financial hardship caused by disability can take years to recover from, restrict future credit lines and cause the cancellation of life policies at a time when they are needed most

 The benefits of Critical Illness cover are:                         

  *    a cash sum is paid, not an income

  *  the money is paid to you not your estate

  *  you keep the money even if you recover

 Range of conditions covered:

Cancer; Coronary artery bypass graft surgery; Heart attack; Kidney failure; Major organ transplant; Multiple sclerosis; Stoke; Alzheimer's disease(including senile and pre-senile dementia); Angioplasty; Aorta graft surgery; Benign brain tumour; Blindness; Coma; Creutzfeldt-Jacob Disease; Deafness; Heart valve replacement or repair; HIV - blood transfusion; HIV - needlestick injury; Loss of independent existence; Loss of limbs; Loss of speech; Meningitis; Motor neurone disease; Paralysis/paraplegia; Parkinson's disease; Rheumatoid arthritis; Terminal illness; Third degree burns; permanent total disability before the age of 65

 
Copyright © 2002 F T W (IFA) Ltd
Last modified: August 15, 2008