Level Term Critical Illness

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What does level term critical illness insurance cover?

Level term critical illness insurance provides a lump sum (a specific amount of money i.e. £100,000) in the event of a confirmed diagnosis of a defined critical illness during the term.

The term is the period of time the policy is in force.

If you have any questions regarding any of the products you find information about on this site please feel free to contact us and we will do everything we can to assist you.

Below are links hopefully answering any questions you may have.

Why is level term critical illness insurance useful?

What term can a level term critical illness insurance policy be taken for?

What can I claim for with a level term critical illness insurance?

What affects the cost of a level term critical illness insurance?

If I don’t claim do I get any money back on a level term critical illness insurance?

Can anyone else claim against my level term critical illness insurance?

Do I pay tax on the benefits of level term critical illness insurance?

What is not covered on a level term critical illness insurance?

Should I speak to an adviser for my level critical illness insurance?

What protection do I have if I receive advice from You 1st Mortgages?

THESE PLANS TYPICALLY HAVE NO CASH IN VALUE AT ANYTIME AND COVER WILL CEASE AT THE END OF THE TERM. IF PREMIUMS CEASE, THEN COVER WILL LAPSE.

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.

We’re here to explain the terms you may be unsure of.

We will request quotes from leading home insurers based on your needs.

We will advise you to what in our expert opinion is the best product for you, taking into consideration, affordability.

If you have any queries, we will answer them.

If you need assistance with a claim, we will help.

We will arbitrate on your behalf if you don’t get the decision you were hoping for when you put in your claim.

We will stand by our advice. We will stand by you. We will put You 1st.

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