Firstly, you should decide the sum of money you think you would need if you were diagnosed with an illness which prevents you from working again. You might need to pay off a specific debt like a mortgage, arrange for nursing care or pay for further medical assistance. Any dependents are likely to need an income which will allow them to continue to live in the same way as they had prior to you giving up work.
When you want to compare policies from different Insurance Companies it is very important to consider the illnesses that they cover before you compare the price that they charge. As with car insurance, cheapest is not necessarily the best. Premiums can be either guaranteed or reviewable - where possible opt for guaranteed.
If you have an application for critical illness insurance / life assurance currently going through the system, or if you have received a lifestyle questionnaire, or being advised that you need to take an HIV test – contact us now!
If you have had increased premiums in the past, contact us now!
For a personalised, free critical illness quote contact us now or get a free critical illness quote from this website. BUT, if you are a gay man please talk to us before you make any final decisions - not all companies will be suitable for you.
This site also offers you a free quote for Life Insurance (Life Assurance), income protection/PHI and free quotes for pensions.
Our truly Independent Financial Adviser Consultants at Isis Financial Planners, have helped many gay men find Critical Illness cover at standard premiums.