Do I Need Critical Illness Insurance?
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David Thomson
Apr 19, 2013, 1:20:07 AM4/19/13
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Please consider this free-reprint article written by:
David Thomson
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Article Title: Do I Need Critical Illness Insurance?
Author: David Thomson
Word Count: 328
Article URL: http://www.isnare.com/?aid=154782&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=154782
Easy Publish Tool: http://www.isnare.com/html.php?aid=154782
*********************** ARTICLE START ***********************
Critical illness insurance is taken out to cover you either for life or for a set period of time against certain critical illnesses, diseases and medical conditions. It differs from life insurance in that life insurance pays out should you die. Critical illness insurance pays if you become physically or mentally impaired through illness or disease.
A policy to cover you for critical illness will pay out a tax free lump sum if you should fall victim to one of the illnesses defined within the policy. All that is needed to make a claim is the diagnosis by your Doctor of one of the illnesses or conditions defined in the policy; there is usually no requirement for you to prove loss of earnings or for you to need any special medical treatment.
Points to consider when thinking of taking out this form of insurance is that the sum and terms are decided at the outset when you take out your policy.
In order for the policy to pay out then you must survive for at least 28 days after the condition or illness has been diagnosed.
Once the set time of the policy has passed and you haven�t been diagnosed as having a serious illness or condition then there is no payout and the policy simply ceases.
Before deciding on whether or not to take out critical illness insurance you should take several factors into consideration. The most important thing to decide is how much money you would need if you were to become critically ill and then decide how long you would need the cover for.
You will also have to take into account the various illnesses that are covered as these can vary from company to company. Another thing to take into account is that different companies have different exclusions within the policies so it is important that you read all the small print.
About The Author: David Thomson is Chief Executive of BestDealInsurance (http://www.bestdealinsurance.co.uk) an independent specialist broker dedicated to providing their clients with the best deal on their home, motor and life insurance.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=154782
*********************** ARTICLE END ***********************
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Message delivered directly to members of the group:
publish-the...@googlegroups.com
*****************************************************************
Please consider this free-reprint article written by:
David Thomson
*****************************
IMPORTANT - Publication/Reprint Terms
- You have permission to publish this article electronically in free-only publications such as a website or an ezine as long as the bylines are included.
- You are not allowed to use this article for commercial purposes. The article should only be reprinted in a publicly accessible website and not in a members-only commercial site.
- You are not allowed to post/reprint this article in any sites/publications that contains or supports hate, violence, porn and warez or any indecent and illegal sites/publications.
- You are not allowed to use this article in UCE (Unsolicited Commercial Email) or SPAM. This article MUST be distributed in an opt-in email list only.
- If you distribute this article in an ezine or newsletter, we ask that you send a copy of the newsletter or ezine that contains the article to http://www.isnare.com/eta.php?aid=154782
- If you post this article in a website/forum/blog, ALL links MUST be set to hyperlinks and we ask that you send a copy of the URL where the article is posted to http://www.isnare.com/eta.php?aid=154782
- We request that you ask permission from the author if you want to publish this article in print.
The role of iSnare.com is only to distribute this article as part of its Article Distribution feature ( http://www.isnare.com/distribution.php ). iSnare.com does NOT own this article, please respect the author's copyright and this publication/reprint terms. If you do not agree to any of these terms, please do not reprint or publish this article.
*****************************
Article Title: Do I Need Critical Illness Insurance?
Author: David Thomson
Word Count: 328
Article URL: http://www.isnare.com/?aid=154782&ca=Finances
Format: 64cpl
Contact The Author: http://www.isnare.com/eta.php?aid=154782
Easy Publish Tool: http://www.isnare.com/html.php?aid=154782
*********************** ARTICLE START ***********************
Critical illness insurance is taken out to cover you either for life or for a set period of time against certain critical illnesses, diseases and medical conditions. It differs from life insurance in that life insurance pays out should you die. Critical illness insurance pays if you become physically or mentally impaired through illness or disease.
A policy to cover you for critical illness will pay out a tax free lump sum if you should fall victim to one of the illnesses defined within the policy. All that is needed to make a claim is the diagnosis by your Doctor of one of the illnesses or conditions defined in the policy; there is usually no requirement for you to prove loss of earnings or for you to need any special medical treatment.
Points to consider when thinking of taking out this form of insurance is that the sum and terms are decided at the outset when you take out your policy.
In order for the policy to pay out then you must survive for at least 28 days after the condition or illness has been diagnosed.
Once the set time of the policy has passed and you haven�t been diagnosed as having a serious illness or condition then there is no payout and the policy simply ceases.
Before deciding on whether or not to take out critical illness insurance you should take several factors into consideration. The most important thing to decide is how much money you would need if you were to become critically ill and then decide how long you would need the cover for.
You will also have to take into account the various illnesses that are covered as these can vary from company to company. Another thing to take into account is that different companies have different exclusions within the policies so it is important that you read all the small print.
About The Author: David Thomson is Chief Executive of BestDealInsurance (http://www.bestdealinsurance.co.uk) an independent specialist broker dedicated to providing their clients with the best deal on their home, motor and life insurance.
Please use the HTML version of this article at:
http://www.isnare.com/html.php?aid=154782
*********************** ARTICLE END ***********************
- To distribute your articles go to http://www.isnare.com/distribution.php
- For more free-reprint articles go to http://www.isnare.com
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