Expert Advice and Cover for Critical Illness

Advice on Insurance to Meet Your Needs

Do you worry about what would happen if you fell ill and could not work for a prolonged period? What if you suffered a major illness such as a heart attack? You would need to take it easier during your recovery and possibly make permanent changes to your lifestyle. Do you wonder how you could minimise financial hardship and stress within your family?

You may want to think about critical illness insurance. We can explain how it works and help you decide whether it is right for you. If it is, we will advise you on the type of cover best suited to your needs.

A Choice of Cover to Suit You

We can arrange cover that pays out a tax-free lump sum if you are diagnosed as suffering from a major illness like stroke, cancer and heart disease. You are free to decide how to use the lump sum.

We can help you to choose cover to suit your circumstances and can offer policies:

• where the premiums are guaranteed not to increase or they can be reviewable;
• with reduced scope of cover;
• that can be combined with a Life Assurance Policy so that a lump sum is paid out in the event of death or earlier diagnosis of a critical illness of the policyholder.