• 23 Austin Friars, London, EC2N 2QP
  • +44 203 750 0001
  • info@austinfriars.city

Important Facts

Critical Illness Cover vs Terminal Illness Benefit

Understanding what you are covered for is imperative. One of the main misconceptions that our customers encounter, occurs between Terminal illness cover and Critical illness cover.

Terminal illness is a free inclusion with almost all life policies. It aims to payout on the diagnosis of a terminal illness where life expectancy is less than 12 months. This is, essentially, an advance of the life cover payment and provides you with the financial freedom to organise your affairs before death.

Critical Illness however, is far more comprehensive. It is designed to payout on diagnosis of a range of serious illnesses including - but not limited to - cancer, stroke and heart attack. This cover provides you with the financial freedom to repay any debts, cover the cost of medical treatment, or simply relieve the pressures that are attached to being diagnosed with a serious illness. 

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How much protection do I need?

What proportion of the family's income do you provide? How would my family get by without my income? Our advisers will make sure you have the right amount of cover to suit your needs. Insist on qualified, regulated advice. This is the only type of advice you will get from Austin Friars Financial
Austin Friars Financial Services LLP is a Limited Liability Partnership and is authorised and regulated by The Financial Conduct Authority. Austin Friars Financial Services LLP is registered in England and Wales. Registered address: 23 Austin Friars, London, EC2N 2QP. Registration number OC419618. Austin Friars Financial Services LLP is entered on the Financial Conduct Authority Register
The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.