Critical illness Life Insurance Quotes | Life Insurance with Critical Illness Cover

Critical illness insurance is one of the many specialist areas of protection we offer at J P Financial. Along with life insurance, mortgage payment insurance and income protection.

J P Financial are an online insurance broker and cover every part of the UK. We specialise in the protection insurance market, this gives us valuable knowledge and experience in this field.

We can then turn this knowledge and experience into offering our clients the best critical illness policy available. We are part of one of the largest networks in the UK giving us access to the majority of the best life insurance providers.

Critical illness cover allows you the opportunity to protect yourself against conditions such as heart attacks, strokes and advanced cancers. Known as ‘Critical Illnesses’, these conditions can have a dramatic effect on your life which may mean you are unable to work and therefore unable to continue to make mortgage or liability payments.

It may also mean that you need specialist medical care, for which you could be waiting a long time on an NHS waiting list. The cover itself will pay a lump sum when you are diagnosed with one of the specified critical illnesses on the insurance companies list of illnesses covered.

Over 50’s life insurance

You may have started your search looking for cheap critical illness insurance quotes, however different critical insurance providers offer varying levels of cover, as is common with almost any purchase “you get what you pay for”. With critical illness protection this is very much the case, however we can tailor policies to meet your budget.

For more information on which critical illness insurance cover will be best for you contact our specialist life insurance brokers today 01202 512340. Or enter your details in the contact us form to request a call back at a time more convenient to you.

You will notice that our call back form is short but sweet; there are a number of reasons for this.

Firstly the information you provide can be of a personal nature which you do not want circling the internet and for this we respect your privacy.

Secondly we do not sell your details to insurance brokers or other intermediaries, we are insurance brokers.

For your reference we have provide a list of some of the more common conditions that are covered by various critical illness providers. . Each company have there own exemptions and it would be a good idea to talk it through with us so we can inform you of what will and will not be covered in your protection.

• Alzheimer’s disease (including pre-senile and senile dementia) – resulting in permanent symptoms
• Aorta graft surgery – for disease or traumatic injury
• Aplastic anaemia – complete
• Bacterial Meningitis – resulting in permanent symptoms
• Benign brain tumour – resulting in permanent symptoms
• Blindness – permanent and irreversible
• Cancer – excluding less advanced cases
• Cardiomyopathy
• Coma – resulting in permanent symptoms
• Coronary artery by-pass grafts – with surgery to divide the breastbone
• Creutzfeldt – Jakob disease – resulting in permanent symptoms
• Deafness – permanent and irreversible
• Heart attack – of specified severity
• Heart valve replacement or repair – with surgery to divide the breastbone
• HIV infection – caught in the UK or EU from a blood transfusion, a physical assault or at work
• Kidney failure – requiring dialysis
• Liver failure
• Loss of independent existence
• Loss of hands or feet – permanent physical severance
• Loss of speech – permanent and irreversible
• Major organ transplant
• Motor neurone disease – resulting in permanent symptoms
• Multiple sclerosis – with persisting symptoms
• Paralysis of limbs – total and irreversible
• Parkinson’s disease – resulting in permanent symptoms
• Progressive Supranuclear Palsy
• Severe lung disease
• Stroke - resulting in permanent symptoms
• Terminal illness
• Third degree burns – covering 20% of the body’s surface area or affecting 50% of the area of the face or head
• Traumatic head injury – resulting in permanent symptoms
• Permanent total disability