Mortgage Insurance Cover.

Life Insurance Cover.

A Life Insurance policy pays out the amount of money the policyholder has been insured for in the event of their death during the term of the policy. It is designed to help protect family and dependents from financial hardship. It may also be a compulsory condition laid down by your mortgage provider that you have adequate insurance cover.

Critical Illness Cover.

Critical Illness offers additional cover to life insurance. It pays out the amount of money insured should the policyholder be diagnosed with having one of the specified Critical Illnesses. The definition of Critical Illness varies with different life insurance company and it is important to know what is covered and not covered before proceeding with a particular critical illness policy. Critical illness is substantially more expensive than straightforward life insurance cover.
The following  are some examples of the type of illnesses usually covered by a critical illness insurance policy:

Alzheimer's Disease before age 65 Angioplasty Aorta graft surgery Benign brain tumour Blindness Cancer (most malignant types) Coma Coronary bypass surgery Deafness Heart attack Heart valve replacement or repair HIV/AIDs (named groups only) Kidney failure

Loss of limbs Loss of speech Major organ transplant Motor neurone disease before age 65 Multiple sclerosis Paralysis/paraplegia Parkinson's disease before age 65 Permanent Total Disability (PTD) before age 65 Pre-senile dementia before age 65 Stroke Third degree burns

Remember these are just a few examples of what may be classed as 'Critical Illnesses' and cover varies dependent on the insurance provider.

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