Life Insurance & Critical Illness Cover

Life Insurance

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Critical Illness Cover

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  Frequently Asked Questions

  • Life insurance provides a lump sum payment to your loved ones if you pass away during the policy term. Critical illness cover, on the other hand, pays out if you are diagnosed with a specified serious illness, such as cancer, heart attack, or stroke. These two types of cover can often be combined into one policy.

  • It depends on your personal circumstances. Life insurance ensures your family is financially protected if you’re no longer there to support them, while critical illness cover helps you cope financially if you become seriously ill and unable to work. We can help you assess your needs and determine the right level of cover.

  • Critical illness policies cover a wide range of conditions, such as cancer, heart attack, stroke, multiple sclerosis, and major organ transplants. The exact list varies by provider, so checking the policy details is essential. We can guide you through the options to find a policy that suits your needs.

  • The cost depends on factors like your age, health, lifestyle, and the level of cover you require. Premiums can also vary based on whether you choose term or whole-of-life insurance, or if you add critical illness cover. We’ll work with you to find affordable options tailored to your circumstances.

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