Critical Illness Cover (CIC) is designed to pay a lump sum if you’re diagnosed with a specified critical illness during the term of your policy.
Critical Illness Cover is designed to cover you:
• If you die before the end of your policy.
• If you are diagnosed with one of the critical illnesses the insurer covers, before the end of your policy.
• If you are diagnosed as being terminally ill, and the illness is expected to lead to death within 12 months.
You can decide if you want your policy to cover one or two people (Joint Life Cover) however, the lump sum is only paid out once. This will be when the first person dies or has a valid claim before the end of their policy.
Please remember that Critical Illness Cover is not a savings or investment plan and has no cash value unless a valid claim is made.
At Brilliant Money we have a specialist team of advisers that will search the Whole of the Market to find the best and most cost effective policy which is suitable for your needs. Please contact one of our advisers today who will be happy to help.