Insurer critical illness propositions – 6 things you should read
Our showcase pages provide advisers with detailed independent coverage of insurers’ protection propositions, examining everything from the core product options, claims statistics and additional support services. We’ve designed the content to provide everything on one easy to digest page, with interactive tables and graphics and videos. Be sure to bookmark the showcase pages, we’ll be updating them and adding new content throughout the year.
AIG Critical illness
AIG provide a range of definitions that cover the impact of illness on a person’s life without naming specific conditions (i.e. the cause). This enables them to cover a wider range of conditions without the need for multiple complicated wordings. Add to this children’s cover that doesn’t just imitate the adult cover but is designed to cover the conditions likely to severely impact a child’s life and you have a well rounded proposition.
Find out what our doctors think of the AIG critical illness plan and the benefits of impact based cover here.
guardian critical illness
Unlike some insurers Guardian offer one level of critical illness cover, providing comprehensive cover for conditions that are most claimed on and offering simplified definition wordings. Unique to Guardian is their cover upgrade promise, which you can find out more about on the page, along with detailed of our independent doctors analysis of their coverage.
HSBC Life Critical Illness
Whether you want cost effective or comprehensive, HSBC Life have a range of options to meet your clients’ needs. With built in children’s critical illness that provides strong early life cover and child hopsitalisation benefit (Plus only) there is excellent cover for children also. HSBC Life pride themselves on their straightforward and inclusive underwriting process and are particularly strong on Type 2 Diabetics and past Mental Health issues. Find out everything you need to know about HSBC Life here.
Scottish widows critical illness
Scottish Widows are another insurer to offer one level of critical illness cover, again designed to provide comprehensive cover but with simplicity at it’s heart. The definitions have been carefully constructed to provide comprehensive cover with similar conditions grouped into single definitions. On the page you’ll find details of how our doctors rated the policy, along with details of conditions covered and claim stories.
Zurich critical illness
It is fair to say that Zurich have taken the customisation of critical illness plans to a whole new level with their new critical illness proposition. No longer will your clients have to pay for cover that they cannot claim on anf with a wide range of options, your clients can have the exact cover they want to match their budget. Find out exactly what options you have available and how these might benefit your clients in Zurich’s Critical Illness showcase page.
Zurich children’s critical illness
Flexibility is very much the key focus of Zurich’s new Critical Illness proposition with an array of options that enable advisers to match their client’s cover to their budget and family situation. Understanding what each element of cover will provide will be important for advisers to ensure that the best possible cover is recommended and in Zurich’s newest page we take a look at all the options within their Children’s cover, what they offer and the benefits they provide.
