by rossfowler


Trauma cover pays a lump sum if you suffer a specified condition such as a heart attack, stroke, cancer or loss of a limb. If a physical trauma means you can’t work, or have to meet significant medical costs, you won’t have to suffer financial trauma too. 

The policy comes with some important benefits at no additional cost. You can also add one or more optional benefits for which you will pay an additional premium. The benefit is available either in conjunction with life insurance (accelerate benefit), where a claim will reduce the life cover, or on its own (standalone benefit). 

Suffering a serious illness is devastating in any circumstances but the burden will be greater if your financial security is also put at risk. A person suffering from one of the four main critical illnesses has nearly 50% chance of surviving more 10 years beyond the critical incident. However, in many cases this involves a reduce working capacity and necessitates significant lifestyle changes and costs. 


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