Clubfinance Critical Illness Cover (CIC) - Online Quote

<body> <table width="1000" border="0" bordercolor="#FFFFFF" style="border-collapse:collapse" cellpadding="5" cellspacing="0"> <tr> <td class="style3" width="110" rowspan="3" align="left" valign="top" bgcolor="#0000FF" background="cellback1.gif"> <p> </p> <p><br><a href="../index.php"> Home</a></p> <p><a href="../aboutus.php"> About us</a></p> <p><a href="../ProductIndex.php"> Investments</a></p> <p><a href="../insurance.php"> Insurance</a></p> <p><a href="../Mortgages/Mortgages.php"> Mortgages</a></p> <p><a href="../changeofagent.php"> Change of  agent</a></p> <p><a href="../Fund-supermarket.php"> Fund<br> supermarkets</a></p> <p><a href="../ourprocess.php"> How to apply</a></p> <p><a href="../documentation.php"> Documents</a></p> <p><a href="../faq.php"> FAQs</a></p> <p><a href="../Links.php"> Links</a></p> <p><a href="../Contact.php"> Contact us</a></p> <p><a href="../Refer-a-friend.php"> Refer a friend</a></p> <p><a href="/Charity/CharitableGiving.php"> Charitable<br>  giving<br>  scheme</a></p> <br> <br> <br> <br> </td> <td align="left" valign="top" style="border-bottom-style: none; border-bottom-width: medium"> <a title="Clubfinance Discount Broker for Investment and Insurance Homepage" href="../index.php"> <img border="0" src="../Clubfinance_Logo_5.gif" width="285" height="36"></a><br> <font face="Arial" size="1"><b>                      Discount Broker for investments, insurance & mortgages</b></font></td> <td align="left" valign="top" style="border-bottom-style: none; border-bottom-width: medium"> </td> </tr> <tr> <td height="2%" colspan="2" align="left" valign="top" style="border-style: none; border-width: medium"> <h1><font size="3" face="Arial">Critical Illness Insurance Cover ('CIC')</font></h1> <p><font face="Arial" size="2">We have a no obligation on-line quotation service for Critical Illness Insurance Cover:</font><p>                <A HREF="https://www.webline.co.uk/Term.asp?Vnd_Number=6566&SS=default.css" onMouseOver="document.insurance.src=insuranceOne.src" onMouseOut="document.insurance.src=insuranceTwo.src"> <IMG SRC="Critical-Illness-Cover-online-quote-button1.gif" BORDER="0" Name="insurance" ALT="Critical Illness Cover no obligation online quote" align="middle" width="130" height="39"></A>  <font face="Arial" style="font-size: 11pt"> <a href="https://www.webline.co.uk/Term.asp?Vnd_Number=6566&SS=default.css"> <img border="0" src="insurance-quote-arrow1.jpg" align="bottom" width="264" height="106"></a></font><p align="justify"> <font face="Arial" size="2">You can obtain quotes for Critical Illness on its own or combined with one of the types of <a href="Term-insurance.php"><font color="#0000FF">term life insurance</font></a>. Depending on the policy, a claim for Critical Illness may mean that the policy will not also pay out under the life insurance element. </font> <p align="justify"> <font face="Arial" size="2">Choose the type of cover from the 'Product Type' dropdown menu, then chose either "Critical Illness only" or "Death or Earlier Critical Illness" from the 'Benefit Type' dropdown menu.</font><p align="justify"> <font face="Arial" size="2"><b><font color="#FF0000">Remember</font></b> your<font color="#0000FF"> </font> <a target="_parent" href="../documentation.php"><font color="#0000FF">Client Declaration</font></a> (all parties to sign), see<font color="#0000FF"> </font> <a target="_parent" href="../ourprocess_insurance.php"> <font color="#0000FF">our process</font></a><font color="#0000FF"> </font>for details. As with all online quotations of this type, the premiums quoted are estimates only and the actual premiums will depend on individual circumstances. If the eventual premium differs from the quotation, the policy will not commence without your agreement.</font><p align="justify"> <font face="Arial" size="2">Please note that quotations are valid for only a limited period of time, generally 30 days. In addition, unless you proceed to the personal illustration stage, it will be necessary to requote. If your circumstances change between the quotation being generated and the policy going into force, the premium may be affected. This includes passing a birthday, half-birthday (6 months after your birthday), or in some cases a quarter birthday (3 or 9 months after your birthday).</font><h1> <font size="3" face="Arial">What is Critical Illness Insurance Cover?</font></h1> <p align="justify"><font face="Arial" size="2">A Critical Illness policy typically pays a tax-free lump sum if you are diagnosed with a critical illness covered by the policy. You can use this money however you wish, for example, to pay off your mortgage. Critical Illness Insurance pays out if you get any of the illnesses specified by your policy, provided you meet the definition of the illness in your policy and you have kept up your monthly premiums. Unless specifically stated in the policy documentation, Critical Illness Insurance on its own does not provide any cover for death.</font><h4> <font face="Arial">Other types of health insurance</font></h4> <p align="justify"><font face="Arial" size="2">Critical Illness Insurance is distinct from other types of health insurance such as: </font> <ul> <li> <p align="justify"><font face="Arial" size="2">private medical insurance, which pays for the cost of private medical treatment; or </font> </li> <li> <p align="justify"><font face="Arial" size="2"><a href="income-protection-insurance.php"> <font color="#0000FF">Income Protection Insurance</font></a>, which pays you a monthly income if you are too ill to work, regardless of the illness you suffer from, after an agreed period. The income continues until you are fit to return to work or the policy ends.</font></li> </ul> <h1><font size="3" face="Arial">Why would you want Critical Illness Cover?</font></h1> <p align="justify"><font face="Arial" size="2">Critical Illness Insurance provides cover against the risk of serious illness such as a heart attack or cancer. Critical illnesses may include specified illnesses, conditions, or surgical procedures.</font><p align="justify"> <font face="Arial" size="2">The critical illnesses covered vary between policies and insurance providers. Each policy will only cover the conditions set out in its Key Features leaflet, and no others. Critical Illness policies often include some cover for permanent total disability and/or death of the life assured.</font><h1> <font size="3" face="Arial">Quotes</font></h1> <p align="justify"><font face="Arial" size="2">Critical Illness policies usually pay a lump sum, but you can obtain quotes for a series of benefits by setting the 'Product type' as 'Family Income Benefit', and the 'Benefit Type' as 'Critical Illness Only'.</font><p align="justify"> <font face="Arial" size="2">Please note that Critical Illness quotes are based on you having a ‘class 1 occupation’ and the premium may be different if your job is not within this type of occupation.</font><p align="justify"> <font face="Arial" size="2">For most policies you must pay a regular premium, either every month or once a year. The size of your premium depends on factors including your age, sex, health, occupation, whether or not you smoke, the amount and type of cover you need and how long you need the cover for.</font><p align="justify"> <font face="Arial" size="2">Premiums may be guaranteed for the term of the policy or reviewable, meaning that the insurance company can increase them usually following an initial period.</font><p align="justify"> <font face="Arial" size="2">Some insurance companies will quote for increasing benefit, to help offset the impact of inflation. If you select this option, premiums will generally also increase in line with the increased cover provided. </font> <p align="justify"><font face="Arial" size="2">You can obtain quotes for critical illness combined with one of the types of <a href="Term-insurance.php"><font color="#0000FF">Term Life Insurance</font></a>. Depending on the policy, a claim for critical illness may mean that the policy will not also pay out under the life insurance element.</font><p> <b> <font face="Arial">Assessing your demands & needs</font></b><p align="justify"> <font face="Arial" size="2">If you, or your dependants, would face financial difficulties if you became critically ill, Critical Illness Cover could meet some of your demands and needs.</font><p align="justify"> <font face="Arial" size="2">Some specific needs that could be addressed include: </font> <ul> <li><font face="Arial" size="2">provision of private care or treatment; </font> </li> <li><font face="Arial" size="2">alteration of your home (e.g. installing stairlift);</font></li> <li> <p align="justify"><font face="Arial" size="2">purchase of special medical equipment or equipment to enable you to work from home for example;</font></li> <li><font face="Arial" size="2">repaying a mortgage.</font></li> </ul> <p><b><font face="Arial">Restrictions</font></b><p align="justify"> <font face="Arial" size="2">Critical Illness policies usually contain exclusions (things that are not covered) such as hazardous sports, or failure to follow medical advice. Exclusions vary between insurance companies. Each Key Features leaflet will list the exclusions for that particular policy. </font> <p align="justify"><font face="Arial" size="2">Most insurance companies will accept you if you are in good health and are within the age range they accept (usually between 18 and 60). Most insurance companies allow the policy to cover both you and your partner, in which case it may only pay out when the first person becomes critically ill.</font><p align="justify"> <font face="Arial" size="2">If you suffer from, or have suffered from a serious illness, you may not be offered a policy, or the policy may exclude any critical illness directly or indirectly related to your illness, or you may be charged a higher premium. You may also be charged a higher premium if certain conditions (e.g. heart disease or cancer) run in your family. This reflects that you may be more likely to suffer a critical illness.</font><h1><font size="3" face="Arial"><a name="Application">Application</a></font></h1> <p align="justify"><font face="Arial" size="2">To apply for a policy you will have to complete and sign a proposal form. This includes questions on your age, occupation and health. You must answer all questions truthfully. You must also inform the insurer of any change in your circumstances between completing the application and the policy going into force. If you do not, or if you fail to disclose all relevant information, your policy may not pay out. Once the insurance company has received this information, in some cases it may need additional information for underwriting purposes. In some cases your answers may result in you being refused cover or a change to the premium quoted. Once the policy is in force you have an ongoing duty to tell the insurance company about any changes in your circumstances.</font><h1><font size="3" face="Arial">Product providers included in the Clubfinance quote</font></h1> <p><font face="Arial" size="2">Our on-line quotation service includes the following product providers:</font><ul> <li><font face="Arial" size="2">AEGON Scottish Equitable</font></li> <li><font face="Arial" size="2">Aviva (was Norwich Union)</font></li> <li><font face="Arial" size="2">Axa</font></li> <li><font face="Arial" size="2">Bright Grey</font></li> <li><font face="Arial" size="2">Bupa</font></li> <li><font face="Arial" size="2">Friends Provident</font></li> <li><font face="Arial" size="2">Legal & General</font></li> <li><font face="Arial" size="2">Liverpool Victoria</font></li> <li><font face="Arial" size="2">Pru Protect</font></li> <li><font face="Arial" size="2">Scottish Provident</font></li> <li><font face="Arial" size="2">Synergy Financial Products</font></li> <li><font face="Arial" size="2">Zurich</font></li> </ul> <h1 align="justify"><font face="Arial" size="3">How does Clubfinance provide such low quotes relative to even some of the 'Discount Life Insurance' companies?</font></h1> <p align="justify"><font face="Arial" size="2">First, we do not give advice or recommendations. Second, Clubfinance has a very simple policy of providing excellent value to our customers. We do this by rebating our initial commission to reduce the premium. We rebate up to 90% of initial commissions. We urge you obtain quotes from other companies, as we are confident of our low quotes.</font><h1><font size="3" face="Arial">Conclusion</font></h1> <p align="justify"><font face="Arial" size="2">It requires careful planning to choose the right insurance policy. It is important to read the Key Features and other information relating to each policy to understand the features, benefits and limitations of each. It is also important to make sure that your cover continues to suit your changing needs and circumstances. </font> <p align="justify"><font face="Arial" size="2"><b>This is a general overview only. You must read the Key Features and other product information specific to the policy you are considering. This overview does not represent and is not intended to represent advice or recommendation. If you need advice you must contact a firm that can provide the advice you need.</b></font><p align="center"> <font face="Arial" size="2"> <a title="Please click here for a no obligation family income benefit online quote" target="_blank" href="https://www.webline.co.uk/Term.asp?Vnd_Number=6566&SS=default.css"> <font color="#0000FF">Please click here for a no obligation on-line quote for </font> </a> <a href="https://www.webline.co.uk/Term.asp?Vnd_Number=6566&SS=default.css"> <font color="#0000FF">Critical Illness Cover</font></a></font><p> </td> </tr> <tr> <td colspan="2" style="border-style: none; border-width: medium"> <font face="Arial"> <b>Important Information</b></font><p align="justify"> <font face="Arial" size="2">Clubfinance Ltd is authorised and regulated by the Financial Services Authority. Clubfinance offers an execution-only discount broker service; Clubfinance does not give advice or recommendations. If you have any doubt about the suitability of a particular product or service, or you require advice, you should seek a personal recommendation from an appropriate firm that does give advice. Clubfinance does not produce the products it arranges, or manage the underlying investments. Payments must not be made to Clubfinance, but to the relevant product provider. Contact details for Clubfinance can be found under ‘<a style="color: blue; text-decoration: underline; text-underline: single" href="../Contact.php"><font color="#0000FF">contact us</font></a>’. Users of this website should be aware of the following:</font></p> <ul> <li><p align="justify"> <font face="Arial" size="2">Past performance is not a reliable indicator of future results.</font> </li> <li><p align="justify"> <font face="Arial" size="2">The value of investments and the income from them can fall as well as rise as a result of market and currency fluctuations. For many types of investment, you may be placing your capital at risk, meaning that you may not get back the amount originally invested and you may risk losing your entire investment.</font> </li> <li><p align="justify"> <font face="Arial" size="2">Some investments and policies may only be suitable as medium or long-term products.</font> </li> <li><p align="justify"> <font face="Arial" size="2">Tax treatments depend on your individual circumstances and may be subject to change in future.</font></li> <li><p align="justify"> <font face="Arial" size="2">This website contains financial promotions relating to services offered by and products available through Clubfinance.</font> </li> <li><p align="justify"> <font face="Arial" size="2">In the event of any conflict between product literature and information provided by Clubfinance, the product literature shall prevail. </font></p> </li> </ul> <p align="justify"> <font face="Arial" size="2">The information on this website is intended solely for the use of those people who are United Kingdom residents for tax and investment purposes and is governed by our terms and conditions of website usage, </font><span style="font-family: Arial"> <font size="2">please <a style="color: blue; text-decoration: underline; text-underline: single" target="_blank" href="../Webconditions.php">click here</a> for details.</font></span><font face="Arial" size="2"> It is not for distribution in any other jurisdiction, including the United States of America. Anyone who is not a UK resident should not continue with this site unless wishing to read about personal finances available to UK residents for informational purposes only.</font></p> <p align="center"> <font size="1"><span style="font-family: Arial">©</span></font><span style="font-family: Arial"><font size="1">2004-2010 Clubfinance Ltd, all rights reserved. <br> </font></span><font size="1"><span style="font-family: Arial"> Clubfinance Ltd. Registered Office: Charleston House, 13 High Street, Old Town, Hemel Hempstead, Hertfordshire, HP1 3AA<br>  Telephone: 01442 217 287, Fax: 01442 241 045<br> Registered in England, Registered Number: 04522114. Consumer Credit Licence Number: 608951<br> Clubfinance Ltd. is authorised and regulated by the Financial Services Authority (400139)</span></font></td> </tr> </table> </body>