Protect it

Did you know... policies do pay out!!
In 2007, Friends Provident paid out on over 90% of the claims submitted on its critical illness policies

Money can't stop it happening...

Colin McRae
Kylie Minogue
Patrick Swayze
Jade Goody

but it can stop it taking everything you've worked for and can ensure your family is financially secure - it is your responsibility.

Target...

Bear in mind though, you may not be able to obtain cover. Underwriting may require reports from your GP, Medical Examinations or other tests. Your occupation could also have an impact on whether cover is available or not.
Only 47% of Friends Provident applications submitted in 2006 were accepted based on answers to medical questions. 53% required further information, forms or reports.

Don't miss anything off those forms - omission of information about medical history, or even sports and past-times, could render your policy void.

Above all else - ASK and take advice from advisers not sales people.

Source: Friends Provident and Home of Choice - Protection Meeting 27th February 2008

If you think Critical Illness policies dont have much cover included in them, take a look at an example of the conditions currently covered by Friends Provident who cover up to 36 Critical Illness conditions, and these are:

•Alzheimer’s disease – resulting in permanent symptoms
•Aorta graft surgery – for disease or traumatic injury
•Aplastic anaemia – with permanent bone marrow failure
•Bacterial meningitis – resulting in permanent symptoms
•Benign brain tumour – resulting in permanent symptoms
•Blindness – permanent and irreversible
•Cancer – excluding less advanced cases
•Cardiomyopathy – of specified severity
•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
•Dementia – resulting in permanent symptoms
•Encephalitis – resulting in permanent symptoms
•Heart attack – of specified severity
•Heart valve replacement or repair – with surgery to divide the breastbone
•HIV infection – caught in the United Kingdom from a blood transfusion, a physical assault or at work in an eligible occupation
•Kidney failure – requiring dialysis
•Liver failure – resulting from advanced liver disease
•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
•Open heart surgery – with surgery to divide the breastbone
•Paralysis of limbs – total and irreversible
•Parkinson’s disease – resulting in permanent symptoms
•Primary pulmonary hypertension – of specified severity
•Progressive supra nuclear palsy – resulting in permanent symptoms
•Respiratory failure – from advanced lung disease
•Stroke – resulting in permanent symptoms
•Systemic lupus erythematosus – with severe complications
•Third degree burns – covering 20% of the body’s surface area
•Traumatic head injury – resulting in permanent symptoms
•Permanent and Total Disability
•Terminal Illness (Not available on stand alone Critical Illness Cover)

Source: Friends Provident Website (30/01/2009)

For the full definitions of each of these conditions and how they could relate to you, please contact us on 0161 434 6016 or by email at enquiries@claytonhulme.co.uk