Hot Topics

What is Critical Illness cover?: Critical illness cover is an insurance which pays you a tax-free sum of money if you are diagnosed as having a serious,
Why do I need critical illness cover?: 1 in 5 men suffer a critical illness before their normal retirement age. 1 in 6 women suffer a critical illness before their normal retirement age.
What is “Total and Permanent Disability”?: “Total and Permanent Disability” means that if you are diagnosed with any illness, or have an accident, that totally and permanently prevents you from working, you have a valid claim.
Are future children included on a Critical Illness policy?: All natural, step and legally adopted children are insured under a Critical Illness policy so long as they are aged between 1 and 18 years (although some companies only consider children from aged 3).
Is there a minimum or maximum premium for critical illness cover?: Minimum premiums vary from company to company but they can be as little as £5 per month.

Under a combined Life Insurance and Critical Illness policy, is the value of cover the same for both the Life and Critical illness provisions?

The sums insured are usually the same but they don’t have to be.

If your combined Life and Critical Illness policy is specifically used to protect a mortgage, then yes, the sum insured should always be the same for both the Life and Critical Illness provisions.

If you obtain a quotation for a Life and Critical Illness policy, then the quotation will normally be based on the same sum insured for both the Life and Critical Illness provisions.

However, if for any reason you do want the insured sum for Life to be different to the insured sum for Critical Illness, then tell ClickLife when they phone you. They'll sort it all out for you !

Frequently Asked Questions related to the above topic.
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Hot Topics

Under a combined Life Insurance and Critical Illness policy, is the value of cover the same for both the Life and Critical illness provisions?

The sums insured are usually the same but they don’t have to be.

Frequently Asked Questions related to the above topic. Click below if you wish to read them: -

Frequently Asked Questions related to the above topic.
Click below if you wish to read them: -