Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family.

Critical Illness

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Critical Illness Insurance

It's when you need to make a claim that you realise just how wise investing in a critical illness policy can be.

Considering just how many lives are affected by critical illnesses such as heart disease, cancer and stroke, it is surprising that more people do not take out critical illness insurance.

The principle is straightforward: in the event of one or more of the specified illnesses being diagnosed, the insurance company will pay out a lump sum after a specified survival period. Often, critical illness cover is combined with other types of insurance and may even provide an investment element so that, for example, a given sum will be paid out on the death of the insured.

Note - Critical illness policies should be checked carefully as only some forms of cancer, heart attack and stroke are covered by this type of insurance.

Warning Text

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IF THE POLICY HAS NO INVESTMENT ELEMENT THEN IT WILL HAVE NO CASH-IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

CRITICAL ILLNESS PLANS MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. THE DEFINITIONS VARY BETWEEN PRODUCT PROVIDERS AND WILL BE DESCRIBED IN THE KEY FEATURES AND POLICY DOCUMENT IF YOU GO AHEAD WITH A PLAN.

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When I retired and needed advice on how to get an income from my savings Graham was able to recommend a suitable product to get the income I needed to top up my pension and he visits me regularly to keep me informed on how my investment is doing.

Mrs Logan, Oban.

After our recent house move Graham was able to arrange our new home insurance as well as arranging a life policy round the new mortgage. As he comes to us when it suits me the whole process was no hassle at all.

Mr Watson, Tarbert.

In the six years that Mr McKay has handled my financial affairs, he has been very professional and has a clear understanding of my needs. I would not hesitate to recommend A+ to anyone that needs expert advice on any financial matter.

Mr Lindsay, Strathaven.

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