How do I apply?

You can buy a policy direct from an insurance company or through an Independent Financial Adviser or other salesperson. The ABI can provide a list of members offering critical illness cover policies. You will be asked to fill in an application form, decide the amount and type of critical illness cover you want and the period you want the cover for. Your financial adviser or insurance company will be able to give you information to help you decide.

You will also be asked to give details about yourself, including your occupation and health. Depending on your medical history and the amount of cover you want, the insurance company may ask your doctor for a medical report. You may also need to have a medical examination. The insurance company will pay for these.

1. What is level term life insurance?
2. What is mortgage protection insurance?
3. Why should I consider buying critical illness cover?
4. What are critical illness policies?
5. Which illnesses are covered?
6. Will any exclusions apply to the critical illness cover?
7. How do I compare critical illness cover policies?
8. What types of critical illness policy are available?
9. What is the cost of critical illness cover?
10. Who can take out critical illness cover?
11. Can I increase my cover after the policy starts?
12. How do I apply for critical illness cover?
13. How do I make a claim?
14. What should I do if I want to complain?