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No one wants to think they'll be struck down with a critical illness – but it can affect anyone, at any age and any time. If it happened to you, have you thought how you'd cope financially? How would your family manage?
What if one of your children contracted a critical illness? Could you afford to take time off work or pay for expensive medical treatment?
The good news is that these days there is a good chance of surviving a critical illness, because medical diagnosis and treatment has progressed so much.
That's why it's worth considering Critical Illness Insurance. Because if this happened to you, you could receive a lump sum which you could use to help pay off your mortgage, cover medical treatment or give your family a monthly benefit – leaving you to concentrate on getting better.
Why it's important to disclose ALL material facts.
It's not always easy to remember all your medical details but to ensure that the chosen Life Office can pay any future claim in full, it's important that you tell the chosen Life Office EVERYTHING they ask you in the application form. It's also important that the information is true, accurate and complete.
If you miss anything out or provide information that is incorrect, any future claims may not be paid and your policy cancelled. If your health or other circumstances change between when you apply, and when you're accepted for cover or when you return the confirmation declaration, whichever is the latter, please contact Life Insurance Office for guidance.
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