Life insurance with critical

sprocket · 30 Mar 20, 04:57 PM

Anyone help point to a good policy.
I have been looking but the policies vary so much. Some policies cover very few critical illnesses but some companies cover a lot, like vitality. The problem with vitality is that the policy is complex and you have to earn points to reduce the following years cover.
I am after something to cover the higher majority of things but have a fixed payment for the next 20 odd years.
Royal London looked ok, I think.

Leggibone · 30 Mar 20, 05:30 PM

Can I advise having a chat with a financial advisor? (Drop me a pm if you life and I can refer you)
Life cover is fairly simple, critical ilness is a minefield - simply due to the difference in illness coverage.

**janeywaney** · 30 Mar 20, 06:05 PM

I can confirm that critical care cover is a nightmare!
We had it, DH had a heart attack last year, we were covered luckily due to the type of heart attack he had, if had been a different kind he wouldn�t have been covered!
We had a fixed amount of cover and were with legal and general. It took 12 weeks to be paid out we struggled a bit financially as we had to use our savings. DH works for a small firm that doesn�t pay sick pay, so had to claim SSP, we were down �3k a month! So was a big decrease! 😱
We got ours through a financial adviser and would recommend speaking to one to try to get you the best one for your money.
We are now not covered for critical illness and can�t get any other policy that would cover DH.

Hope you get sorted soon

Jane

moggitymog · 30 Mar 20, 07:59 PM

we had life insurance and critical illness cover with aviva, it had transferred to them from friends provident. I just wanted to mention that the customer service from them was excellent and when we claimed they were quick at paying us

SquishTheWhale · 31 Mar 20, 06:21 PM

Hubby and I both have ours through Zurich. They have a good add on that pays out if your child is critically ill.

30 Mar 20, 05:30 PM	#2
	30 Mar 20, 05:30 PM Leggibone Imagineer
Leggibone Imagineer Join Date: Oct 13	Can I advise having a chat with a financial advisor? (Drop me a pm if you life and I can refer you) Life cover is fairly simple, critical ilness is a minefield - simply due to the difference in illness coverage. __________________ Got the Florida bug... 2012 - Quaility Inn International 2014 - Rosen Inn International, Hard Rock Hotel, Yacht club and Bay Lake Tower! Mr Bears Grand Adventure, 2015- A sneaky to DLP- Sequoia Lodge, 2016- Another WDW trip... BLT, AKL, HRH and Rosen Inn - Mr Bear takes Boris to WDW, 2022 - Taking the small fry�. Coronado spring addition, 2024 - Riding solo?

31 Mar 20, 06:21 PM	#5
	31 Mar 20, 06:21 PM SquishTheWhale Imagineer
SquishTheWhale Imagineer Join Date: Mar 18 Location: Milton Keynes	Hubby and I both have ours through Zurich. They have a good add on that pays out if your child is critically ill.