Critical Illness Insurance, Permanent Disability

Critical Illness

Will a policy pay out if I become permanently disabled?

Critical illness cover will usually pay a benefit if you become permanently and totally disabled. However there are a number of different definitions of disablement that are used by insurance companies. These definitions will usually depend upon who you insured with and your occupation.

The different definitions are:

  • Own occupation - you are unable to continue working at your own occupation.
  • Any occupation - you are unable to undertake any form of work.
  • Any suited occupation - you are unable to continue working at your own occupation, or undertake any form of work that you have trained to do, been educated to do or done in the past.
  • ADW's or ADL's - you are unable to do certain tasks, or activities, of daily working / living. The company may say that they will pay the benefit if you are unable to sit down for a certain length of time, carry a weight a certain distance, walk upstairs, be able to wash yourself etc.

By shopping around, or talking to an IFA, most people should be able get an own occupation definition for permanent and total disability on their critical illness cover.

Daai Financial Independent Tailoring are such an IFA and are able to help guide you through the best critical illness cover options available to you and can discuss with you at further length about how different policies may payout. We are able to look at products from every company within the UK marketplace.

Our critical illness policy comparison service is free (unless you opt to pay a fee for our advice). Unlike many other Financial companies and brokers our staff are paid a salary, not commission on the products that they sell, meaning they we act truly independent across the critical illness marketplace to try to get you the best and most appropriate deal for your needs.

Comparing critical illness assurance with us means that you will have access to the entire UK critical illness assurance marketplace. All you need to do is complete our online quote form by click on the Get a Quote button above.

Daai Insurance Services Limited is authorised and regulated by the Financial Services Authority. This can be checked on the FSA Register by visiting its web site at www.fsa.gov.uk/register.
Daai Insurance Services Limited. Company No: 856706 registered in England at Shurdington Road, Cheltenham Spa, Gloucestershire GL51 4UE.