Critical Illness

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Critical Illness

Critical Illness cover is a means of replacing income (by way of the payment of a lump sum) in the event of diagnosis of life threatening illness from which you may or may not recover, but could substantially restrict the ability to earn future income

Do I need this cover Benefits Illnesses covered

Apply for immediate on-line term quotes and applications Request comprehensive quote

You can obtain immediate on-line term quotations by using our facility at

(click the logo)

A more comprehensive comparison including Whole of Life Critical Illness may be obtained by completing the following request form and submitting direct to FTW (IFA) Ltd.

Critical Illness Quotation Request Form

1^st Applicant

2nd Applicant (if applicable)

Surname

First name(s)

Title

Date of Birth

Address

Postcode

Do you smoke ?

Cover required £

Term of cover in whole years
Single or Joint Life ?
If Whole of Life enter WOL
Basis of cover

Cover to include

Telephone: Email:

A Full Quotation, Key Features Document and relevant brochures will be sent to you.

Why Critical Illness Cover ?

The statistics:

The chances of suffering a critical illness rather than dying before the age of 65 are:

2.4 times greater for a male aged 30

3 times greater for a female aged 20

Every adult in the UK is 5 times more likely to suffer a serious disability than to die before the age of 60

Each year c680,000 people under the age of 65 suffer a heart attack, cancer or stroke - most of them survive

Many life-threatening illnesses can now be treated with such success that a man or woman with invasive cancer or a heart condition can still expect to survive and enjoy a good life span. But how valuable are those extra years if money is a problem ? Financial hardship caused by disability can take years to recover from, restrict future credit lines and cause the cancellation of life policies at a time when they are needed most

The benefits of Critical Illness cover are:

a cash sum is paid, not an income

the money is paid to you not your estate

you keep the money even if you recover

Range of conditions covered:

Cancer; Coronary artery bypass graft surgery; Heart attack; Kidney failure; Major organ transplant; Multiple sclerosis; Stoke; Alzheimer's disease(including senile and pre-senile dementia); Angioplasty; Aorta graft surgery; Benign brain tumour; Blindness; Coma; Creutzfeldt-Jacob Disease; Deafness; Heart valve replacement or repair; HIV - blood transfusion; HIV - needlestick injury; Loss of independent existence; Loss of limbs; Loss of speech; Meningitis; Motor neurone disease; Paralysis/paraplegia; Parkinson's disease; Rheumatoid arthritis; Terminal illness; Third degree burns; permanent total disability before the age of 65