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Pays you a replacement income if you are unable to work due to illness or injury.
Serious Illness Protection pays a lump sum benefit in the event you are diagnosed with a Serious Illness specified by the policy. The amount of illnesses covered vary from provider to provider, so it is important to speak to an advisor before making a choice. Serious Illness Protection can be built into your Life Insurance plan or provided as a Stand-alone plan.
You can fill out our easy to understand form for a free online quote comparison, or speak to one of our Qualified Financial Advisors who will assist you with getting a quote.
Death comes for us all. But Serious Illness is the biggest risk we face in life. Statistically you are more likely to suffer from Cancer, a heart attack or a stroke before the age of 65, than you are to pass away.
In Ireland, 1 in 3 people are diagnosed with some form of cancer in their lifetime.
What if any of the above cause you to be unable to work? What if you and your family then struggle financially because of this? Does your employer cover sick-pay for serious illnesses? These are all the questions you should be asking yourself, and what can you do about it?
Thankfully, with medical advances, the chances of surviving a major illness are greater than ever. However, A Serious Illness, as its name alone suggests also does indicate the possibility that you could be out of work for a very long time, maybe 6 months or longer.Leading to huge financial consequences.
The security of a lump sum payment offers peace of mind with the knowledge that you will be able to pay your bills while you concentrate on getting better. The funds can be used to pay off your mortgage, assist with utility and medical bills as well as even fund the cost of home renovations if mobility access is required, also provide after care support, or to undertake training for a different relevant occupation.
The best time to take out Serious Illness Cover is when you are healthy! The healthier you are with any protection product, the less expensive your premiums, as healthier individuals are less risk, being unlikely to have the same rate of claim as their counterparts.
This is especially the case for Serious Illness Protection, statistics show 75% of all protection claims paid out are related to serious illness protection alone.
Serious Illness Protection can be taken out as part of your Life Cover policy, Mortgage Protection policy or as a stand-alone policy, without life cover attached. When taken out as part of your life cover, there are 2 types of Serious Illness Cover which are Stand-alone and Accelerated.
Most major illnesses are covered by our Serious Illness policies. Some less-common illnesses won’t be listed below. If you are unsure about a specific illness and whether it’s covered, you can free-phone our expert financial advisors on 1800-828-800.
If you can’t get Serious Illness Cover for whatever reason, it might be worthwhile considering “Cancer Cover” from Zurich Life and “Multi Claim Protection Cover”
Aviva Best Doctors is a second medical opinion is also available from Aviva for your Income Protection. This free extra includes:
Royal London’s Helping Hand gives you one to one Personal Support from Royal London.
This free extra includes:
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We would like to assure our customers that although this Worldwide Pandemic has struck our Nation hard, we are still here for our new and existing customers. All phone calls and emails will be dealt with accordingly.
In the unfortunate circumstance that a customer contracts COVID-19 and dies, our life policies would pay out in line with our usual claims philosophy.
All Consultations will be held by Phone or Online via Computer/Smart Device to remove face-to-face interactions and keeping in line with social distancing guidelines recommended by the Government.
We at Lowquotes.ie hope you, your family and your loved ones stay safe & healthy in this time.
