With improving medical care and technology, the risk today is survival. Critical Illness insurance does not deal just with survival, it deals with something far more important - QUALITY OF LIFE.

Death is something we all accept will happen to us at some point although most of us believe we will cheat death until a ripe old age.

Critical Illness, or Dread Disease is something that happens to other people.

Between 1967 and 1996, in the United States, the following has happened every year.

• 350 people have died in floods.

• 22,000 people have died as a result of a homicide.

• 42,000 people have died as a result of a traffic accident

AND

• 743,000 PEOPLE HAVE DIED PREMATURELY AS A RESULT OF HEART DISEASE.

This represents 30% of all deaths in the US over the last 30 years.

(Source: National Geographic Magazine - July 1998)

In the UK, in an average year, 

• over 150,000 men and women will have their first heart attack.

• over 240,000 men and women will be diagnosed with cancer.

• at least 100,000 men and women will suffer a stroke.

BUT

• 75% of men and women under age 55 who have a stroke survive more than one year.

• 75% of men aged 45 who have a heart attack survive three years or more.

• 33% of women who contract cancer survive five years or more.

(Source: OPCS Cancer Statistics, British Heart Foundation, Stroke Association, Munich Re.)

Critical Illness cover will pay put a lump sum on diagnosis of a specified illness. You can then use this capital to stop work, obtain the best health care and/or recuperate with a lengthy holiday 

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