Critical illness cover

Advances in medical science mean that you are more and more likely to survive following a critical illness. You may have made financial arrangements for your family in the unfortunate event of your death, however would you be able to cope financially if you were to suffer a critical illness and survive.
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Critical illness protection aims to give you some affordable piece of mind. It is designed to pay out either a lump sum or an income if you are diagnosed with a specified critical illness. This money can be used towards repaying your outstanding mortgage or loan, paying for private medical treatment, funding private respite care or purely just to allow you to take time out to allow you to concentrate on getting better. . Of course, the choices you make will depend on your own personal circumstances, and any insurance which is based on an assessment of the health of the applicant is unlikely to cover previous or existing medical conditions.

However, here at NJL Consultancy we offer expert advice to help ensure you have the right type and level of cover, and help you to understand the policy documentation as to what and what is not included.