Stand-alone Critical Illness Cover

Critical Illness

Stand-alone critical illness cover - what does this mean?

When purchasing a critical illness policy most people take out a policy that includes life insurance, meaning that it will pay a lump sum benefit on the death of the policyholder or should they suffer from a critical illness or become permanently and totally disabled.

However, a stand-alone critical illness policy will only pay the benefit amount should you suffer a critical illness or become permanently and totally disabled.

It may seem strange but in a lot of cases it is often cheaper to take out a combined policy rather than a stand-alone. This is because most people buy combined policies and competition is strong helping to lower premiums across the market.

If you are single with no dependents then you may want a stand-alone policy, as you may not have any need for life insurance. If you have existing, competitively priced, life insurance, you may be able to 'top it up' with some stand-alone critical illness cover.

Daai Financial Independent Tailoring are able to help guide you through the best critical illness cover options available to you and can discuss at further length about stand alone cover. 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.