Antony Devine, BA ACA Dip PFS

  Bates Investment Services Ltd.

  Telephone: 08700 427 900

  Email: antony.devine@batesadvice.com

  Independent Financial Advisers

Critical Illness Cover

Critical Illness cover is taken out to pay benefits when things look at their bleakest. You may need additional funds to modify your house for a wheelchair, for specialist medical expenses, or merely for peace of mind. A typical Critical Illness policy will pay a lump sum upon diagnosis of an insured condition. You need to survive the condition for a specified period of time, e.g. two weeks. Your recovery has no bearing on the claim: you could be back at work the next day!

Because the likelihood of an insured person suffering such a condition is far higher than the risk of his premature death, premiums are significantly higher than the equivalent cover for life insurance only. The choices as to term, increasing and decreasing policies, are as for life insurance policies.

The difficulty for consumers choosing  a critical illness policy is that each insurer's list of covered conditions differs from the others'. That is where your Bates adviser can assist. With our in-depth knowledge of the industry, we can recommend the best combination of policy and premium for your personal circumstances.

For more information or advice, click here:  

Bates Investment Services Limited is authorised and regulated by the Financial Services Authority, and is a wholly-owned subsidiary of The Money Portal plc. 

Bates Investment Services Limited is entered on the FSA register under reference 154229.

Registered Office: 1 Threadneedle Street, London, EC2R 8AY.

Registered in England and Wales Company no. 3434648.

The FSA do not regulate some forms of mortgages.

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