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Adding Critical Illness cover to your Life Insurance policy helps to ease the burden on your family at a difficult time.
Having Critical Illness cover means that if you suffer from one of the 24 conditions specified in your policy, you will receive a lump sum payment to use however you need.
If Critical Illness cover is added to your policy we’ll pay the owner of your policy a tax-free lump sum payment if one of the twenty four conditions covered under the policy are diagnosed.
Cancer diagnosis are the most common reason we pay Critical Illness claims, but you’ll also be covered in the event of a heart attack, stroke and many other conditions.
If you don’t apply for Critical Illness at the same time as your Life Insurance, you may have the option of adding Serious Illness cover to your policy later. Serious Illness will cover you for the four main reasons that people claim on their Critical Illness cover. (Critical Illness covers you for 24 different conditions.)
Critical Illness and Serious Illness are also known as Trauma Cover. Every company has a different version of trauma cover, read what’s covered by each of our policies in the links below.
Thinking about what life stage you’re at might help you get started if you’re stuck wondering what you need. Choose the option that best fits what you want to plan for, we’ll then let you know what other people planning for a similar future have asked for quotes on.
You can pay your Pinnacle Life premiums monthly, six-monthly or yearly. We prefer it if you pay by direct debit, however we also accept internet banking/automatic payment, cheque (for six monthly or annual premiums only), or credit card. When paying via credit card, a charge of 3.95% is added to your premiums.
We do not accept weekly or fortnightly payments.
We offer cover to people aged between 18 and 75. Specifically, the age limits are:
For Life Insurance
For Funeral Cover
For Income Protection
If you are diagnosed with a critical illness, this cover will pay you a tax-free lump sum. Some people use it to pay bills while they aren’t able to work, to help fund their treatment, or to get some extra help at home. It can help make your life easier while you are dealing with an illness.
Critical Illness covers you the first time you are diagnosed with any one of 24 different conditions. We also offer Serious Illness Cover which protects you the first time you are diagnosed with one of four serious conditions.
We can show you what insurance people planning for a similar future have asked about.
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