Critical Illness Cover

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Around 55,000 men and women are diagnosed with breast cancer each year in the UK, that’s one every ten minutes.

October was Breast Cancer Awareness Month, which aimed to raise public awareness of the disease and its symptoms to help save more lives.

News from the Lincs Free Press and Spalding Guardian, spaldingtoday.co.uk, @LincsFreePress on Twitter

News from the Lincs Free Press and Spalding Guardian, spaldingtoday.co.uk, @LincsFreePress on Twitter

Breast cancer is not one single disease.

There are several different types of breast cancer and it can affect both men and women.

Unfortunately this is not just an older persons disease, for women under 35, breast cancer is the most commonly diagnosed cancer.

Having breast cancer doesn’t necessarily mean someone is going to die but it can have a serious emotional and financial impact for the person undergoing treatment, as well as their loved ones.

The lifetime risk of developing breast cancer is one in eight.

Legal & General’s latest critical illness claim stats show that the average age of claimants for all cancers was just 45 and it was their top reason for critical illness claims.

Sadly they have also seen that cancer is one of their top reasons for income protection benefit claims in 2012.

Comprehensive critical illness plans offer the best cover in the market for cancer, as cancer definitions can exceed the ABI standard.

Some also cover any type of surgery for early stage breast cancer and some providers offer cover for ductal carcinoma in situ (DCIS) of the breast and they could pay out up to £25,000 or 25 per cent of the sum assured whichever is lower.

This money could be paid in addition to any future valid claims.

No one wants to deal with a critical illness but should you need to make a claim you want a company you can rely on.

An insurer that is highly rated for financial strength and customer service is ideal.

If you would like more information or would like to review your needs or existing cover then please make contact.