Life insurance is a means of financially protecting the ones you love most. It allows you to leave your dependents a cash lump sum that’s paid out when you pass away.
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Frequently Asked Questions
Life insurance with critical illness provides two levels of protection for you and your family. If you become critically ill, you will receive a tax-free cash lump sum to help you with costs associated with recovery or the maintenance of utilities and other living costs. If you pass away, your family will receive a payout to help them financially when you’re no longer around.
If you have a mortgage, financial dependents or your employer doesn’t offer sickness pay as a benefit, you should consider life insurance with critical illness cover. It can help your family to pay off the remainder of your mortgage in the event of your death. It could provide financial support with things like household maintenance and living costs. It can even protect you from loss of income in the case that you become seriously ill or injured and can no longer provide for your family.
You choose a term and a benefit amount that works for you. The cost of your monthly premiums will depend on; your age, how much cover you need, your policy term, your health and lifestyle.
You agree on how much cover you would like, how long you want it to last and who will receive the benefit amount. As long as you keep up with your monthly premiums. When a claim is made, you or your beneficiaries will receive a cash lump sum. This type of insurance policy pays a benefit amount to your loved ones if you die or a tax-free lump sum to you if become critically ill.
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Help protect your loved ones from outstanding mortgage repayments should you pass away unexpectedly. The payout for this type of insurance can be used to pay off your mortgage.