with life insurance - Critical illness cover is often arranged with UK life insurance paying a benefit on first event only i.e. if you claim for a critical illness you will not receive another benefit on death.
Stand alone critical illness cover - A insurance policy which covers you for critical illness cover only with no death benefit.
guaranteed or reviewable rates - Guaranteed rates are not available from all critical illness policy providers and premiums tend to be higher.
choice of insurance policy - Ensure that the cover provided is sufficient to your needs
total permanent disability - Do you require TPD on an own occupation or any occupation basis and does the extra cost which is likely make this a worthwhile Additional Benefits
Mortgage protection - If you require insurance to cover a repayment or capital and interest mortgage , this form of critical illness cover provides a benefit which reduces with the outstanding amount you owe.
joint life - A joint policy will provide a benefit if either person insured were to contract a defined critical illness. This insurance will only pay one benefit only.
family income benefit - If you require a regular income as opposed to a lump sum payment this type of insurance will provide benefit payments from diagnosis of a critical illness until the end of the term or earlier death.
index linking - If you are concerned that inflation over the years will diminish the spending power of the sum assured you can have your benefits index-linked which will increase the benefit payable in line with inflation, your premium payments will also increase.
Waiver of premium - This extra benefit will continue to pay your insurance premiums if you are unable to work through ill health.