FAQS.

Terminal Illness - is usually included in Life Assurance policies at no extra costs. It could pay out your chosen amount of cover if you are diagnosed with a terminal illness and have a life expectancy of 12 months or less, rather than on death.

Critical illness Cover – is an additional policy. It is designed to pay out your chosen amount of cover if you’re diagnosed with one of the providers specified critical illnesses (for example heart attack, stroke etc) during the length of your policy.

Life insurance is optional, however there are many reasons to have it in place. For example, if you have a partner or family who may struggle to cope financially then life insurance could offer them the help they need at a very difficult time.