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Critical illness cover pays out a one-off, cash lump sum if you are diagnosed with a serious illness. The money can help to cover living expenses if you are unable to work, meet the costs of any adjustments or adaptations to your home, or simply take the worry away, leaving you to concentrate on getting better.

Setting up cover is simple and straight forward – you decide how long you want the cover to last and how much you want it to pay out. In the event that you are diagnosed with one of the conditions listed in your policy, you will receive the payout in a tax-free lump sum.


What illnesses are covered with critical illness cover?

This varies depending on the provider, but in general, the conditions and illnesses covered include:

Our advisers will be able to discuss the conditions covered in more detail and a full list will be included in your policy documents.

What affects the cost of my critical illness cover?

The cost of your critical illness policy is comprised and affected by several things, such as:

What’s the difference between critical illness and life insurance?

Life insurance pays out in the event of your death, or, where it includes terminal illness cover, when you are diagnosed with a terminal illness and have 12 months or less to live.

Critical illness pays out when you are diagnosed with a serious condition or illness as listed in your policy. The illness or condition does not have to be terminal.

Critical illness cover can complement a life insurance policy, giving you more complete protection overall and greater peace of mind.


Want to speak with us? There are plenty of ways to get in touch…

Our friendly team look forward to hearing from you.

  • Tel: 0203 1299 628 | 07973 758283
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    A&A Independent Financial Services Ltd (FCA number 950425) registered Office: 2 Acorn Grove, Kingswood, Tadworth, Surrey, KT20 6QT

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