What is life and critical illness cover?

Life and critical illness cover is a combination of two of the most important forms of insurance for someone with financial responsibilities.

Life and critical illness cover combines life insurance and critical illness cover into one policy, which is then cheaper than buying two separate policies. Life insurance will provide your family with a pay out in the event of your death, while critical illness cover will provide you with a pay out if you are diagnosed with a critical illness.

Why do I need life and critical illness cover?

Death or a critical illness can have serious implication for your earning abilities, and even those who are given sick pay whilst ill, that sick pay will rarely last any longer than six months. As a result, those unable to earn are unable to fulfil their financial responsibilities.

Those responsibilities include paying a mortgage, household bills and for those with children, the general cost of bringing children up is a responsibility in itself.

Those who die, or are diagnosed with a critical illness who do not have life and critical illness cover will leave their families with no money, and their financial responsibilities will be left behind. Life and critical illness cover provides a financial payout that can help to clear or pay for those financial responsibilities, leaving your family with one less thing to worry about at a very difficult time.

Where can I buy life and critical illness cover?

You can buy life and critical illness cover from this website, and start going to sleep with peace of mind that should the worst happen to you, your family will at least be looked after financially, which will take a huge weight of their minds at a very difficult time.

Who thought up life and critical illness cover?

Life insurance origins are unknown but it was Dr Barnard who thought up critical illness cover after becoming frustrated that his patients were expending more energy worrying about the perilous finances than on getting better.

It remains the only insurance product in the world created by a medical professional, and after starting in South Africa in 1983 has no spread around the world, and has grown from strength to strength. The first policy covered just four critical illnesses, while one policy now covers over 160.

Have you thought about serious illness cover? Find out what it includes today.