If you are diagnosed with a critical illness, such as cancer or a stroke, critical illness cover pays a lump sum which can pay off your mortgage or cover the costs of your care. We offer comprehensive advice on critical illness insurance.
As independent critical illness advisers, we can search the whole insurance market to find the products that best meet your needs at the most competitive premiums.
Reviewable policies have premiums that can alter at the policies review date (typically every 5 years), this means the premiums may increase in later life causing problems due to the higher costs.
Guaranteed policies have a fixed premium, this means the premium you pay at the start of the policy inception is the same throughout the term.
Whilst a reviewable policy is cheaper at first instance it leaves the insurance company in control, where a guaranteed policy gives you the control.