Consider the following:
Serious illness cover is another important benefit that can be covered against. Serious Illness cover is designed to pay a lump sum on the diagnosis of certain life-threatening or debilitating (but not necessarily fatal) conditions such as a heart attack, stroke, cancer, multiple sclerosis and loss of limbs.
The illnesses covered under these policies differ between the various Life Insurance Companies and it is therefore important to seek independent advice.
Alternatively an Income Protection is a policy is designed to replace up to 75% of your salary, until you are able to return to work, or until retirement age if you do not return to work.
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