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Critical Illness

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CRITICAL ILLNESS LIFECOVER QUOTE      (Rates & Prices at 6/1/2009 ~ 06:30:07) 

What is Critical Illness Life Cover ?

Critical Illness Life Cover - Summary Designed to pay out on diagnosis then claim & survival of specified Critical serious illnesses Common Critical Illness Life Cover plans includes cancer, heart attack, stroke, diabetes, MS, kidney failure Can be in sole or joint names Benefits are currently paid out tax free on claim Designed to pay out as a lump sum or income on diagnosis Usually has no surrender cash in value at any time. Medical evidence may be required and a medical examination for those with health issues Premiums may be guaranteed or reviewable Waiver of Premium (where the Insurer waives/protects & covers your premiums after a deferred period of 4/8/13/26 weeks due to sickness or accident) Each Critical Ilness life cover policy is designed for covering particular illnesses, some more than others; you may wish to carefully examine the policy wording before committing to one policy or seek professional advice.[Note the rules changed in April 2007 re Critical Illness Life Cover terms designed to help simplify matters. Note that some multi-plan policies and income protection policies have a Critical Illness Life Cover option which you can add onto the plan.

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