Category: Critical Illness
The Unclear Boundaries of Diabetes in Critical Illness Policies
Explore how critical illness policies define diabetes, where cover applies to Type 1, and why LADA, modern treatments and wording create grey areas.
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Why Most Critical Illness Policies Don’t Cover Pulmonary Embolism
Why most critical illness policies exclude pulmonary embolism, how Vitality differs, and what advisers need to know about claims, wording and evidence.
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The cost of being a carer
Explore the financial, emotional and practical cost of being an unpaid carer, and why advisers should address caring responsibilities with clients.
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The shifting landscape of cardiovascular health in the UK
Explore how cardiovascular health in the UK is changing, from smoking and obesity trends to GLP-1 drugs and what it means for protection advice.
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Protecting against the financial impact of cancer: The role of Critical Illness and Income Protection – Part Two
Explore how critical illness and income protection can help clients manage the financial impact of cancer, from diagnosis through recovery and return to work.
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Cancer survival in the UK and its impact on daily life and work (Part One)
Explore UK cancer survival rates and how diagnosis affects daily life, mental wellbeing and work, with practical insight for advisers supporting affected clients.
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Congenital Heart Disease in Critical Illness Insurance: Wordings, Claims and Modern Treatment Challenges
Understand how congenital heart disease is covered by critical illness insurance, including policy wordings, claim evidence and modern treatment gaps.
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Pleurectomy: The Rare Lung Surgery That Makes Vitality Different
Learn what a pleurectomy is, why Vitality includes it on its CI policy, and how this rare lung surgery links to mesothelioma and non-cancer claims.
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The Critical Illness conversation your client needs is the one that happens before the diagnosis
Critical Illness cover doesn’t always pay where advisers expect. Discover the truth about diabetes underwriting, mastoidectomy clauses, and paralysis wording gaps.
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Why the paralysis wording rarely pays for a stroke
Why paralysis wording in critical illness cover rarely pays for stroke, and why traumatic spinal cord injury is usually the real trigger for claims.
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The bone behind your ear and a surgery you may have never heard of
Understand radical mastoid surgery, what causes it, and why Vitality’s CI cover is unique in protecting against this rarely discussed procedure.
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Type 2 Diabetes: The Diagnosis Every Adviser Sees
Type 2 diabetes affects health and protection options. Learn how to reduce risk, spot complications early and understand the impact on life, CI and IP cover.
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