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What to consider for your Life Insurance

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Life Insurance compared to Life Insurance with Critical Illness 

Life Insurance Life Insurance with Critical Illness
Lump sum payout yes
yes
Joint cover available yes yes
Level cover yes yes
Decreasing cover yes yes
Guaranteed premium yes yes
Pays out on Death or Terminal Illness Death or one of the listed critical illness conditions
Apply online  yes  yes

 

Life Insurance Life Insurance with Critical Illness
Lump sum payout yes
yes
Joint cover available yes yes
Level cover yes yes
Decreasing cover yes yes
Guaranteed premium yes yes
Pays out on Death or Terminal Illness Death or one of the listed critical illness conditions
Apply online  yes  yes

 

Here are some simple questions and answers to help you choose what is right for you

  • What do I need to protect?
    You may have a spouse, or children, a mortgage, or other outstanding loans. Or a combination of all of these. There are different types of life insurance depending upon your needs.
  • Do I need Critical Illness cover?
    If your family rely on your income then the answer is probably yes. The pay out could help to cover things such as child care costs and household bills, to make adjustments to your home or lifestyle if needed, to pay for specialist medical treatment - or even to take that well needed trip away to help you recover.
  • Add extra protection
    Life insurance and critical illness cover are both important and provide vital protection for different sets of circumstances. Life insurance with critical illness pays out a lump sum if you die, or are diagnosed with one of the listed illnesses during the term of your policy. Life insurance alone will just pay out a lump sum if you die.