If your own painstaking search for critical illness cover quotes proves a little too daunting, you might take the considerably easier route of asking a specialist site to do the searching, comparing, and compilation of suitable quotes for you.
Search and compare
If you are considering searching for critical illness cover quotes you probably already know what this type of insurance does – pays out an assured cash lump sum in the event of your being diagnosed with a critical illness.
You might also know that you want the cover to extend for a given number of years – the insurance term. You have also probably decided the number of benefits you might need to receive in the event of being diagnosed with a critical illness and, therefore, need to make a claim.
You might then feel you have quite enough information on which you conduct your search and comparisons.
Unfortunately, however, searching and comparing quotes for critical illness cover may not be as straightforward as other searches – life insurance, for example.
Critical illness cover is not the same as life insurance in at least one major area – the definition of the risk. The latter is defined, purely and simply as your death. The former, however, requires a definition of critical illness. And it is on this definition that insurers may differ and policies might vary quite widely.
Nowadays, for example, many serious medical conditions and illnesses might be defined by insurers as being critical illnesses. Some insurers adopt a definition more limited in scope; others may be more inclusive.
Clearly, your search for insurance quotes might need to take account of these differences, so that you are comparing like for like, and that you end up choosing the level and extent of cover that best suits your particular needs and circumstances. Specialist life and critical illness cover websites might be able to provide just the help you need.
Even when you have narrowed down your search criteria to what you might consider an acceptable and workable list, there is unlikely to be any guarantee that you have considered the offers and quotes available from all potential insurers – there are just so many of them. Specialists such as criticalillnesscover.com might be able to provide just the help you need.
Specialists know their subject. They are familiar with the product, the definitions of critical illnesses and have access to the whole of this sector of the insurance market. Based on the personal details and requirements that you provide, specialists such as criticalillnesscover.com, therefore, can search the entire market offering on your behalf to identify those policies most suited to the needs you have defined, compare them, and deliver you competitively priced quotes.