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Here at Cura Financial Services Ltd we believe that you should have the opportunity to know exactly what you are getting for your money.

After all, your protection cover may seem like something minor to worry about now, but what if the worst was to happen?

Choose from a range of guides, shown on the left of the screen, to get an insight into the different types of protection and then if you still have any questions or queries, feel free to get in touch with us and we'll be happy to help!

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Critical Illness with Life Insurance


Critical illness cover is an insurance that is designed to pay out a cash sum if the policyholder is diagnosed with a particular condition (as diagnosed by the insurance company). The conditions covered vary from company to company but in general include medical conditions, known as Critical illness', such as heart attacks, advanced cancers, strokes and loss of limbs.

Usually taken to protect either a mortgage or to provide help against medical expenses and loss of earnings, the critical illness cover runs for a set number of years and can either have a level (term critical illness cover), decreasing (mortgage critical illness cover) or index linked (increasing critical illness cover) benefit.

What is Life Insurance?

Life Insurance is a type of protection designed to leave your family with a cash lump sum if you die within the policies term. It is usually used to ensure that policyholders surviving spouse or children can pay off the mortgage and other liabilities without the concern that debts will be passed to them.

So What is Critical Illness with Life Insurance?

In a nutshell, Critical illness with life insurance is a combination of Life Insurance and Critical Illness which will protect you and your family against both eventualities. The covers are combined into one policy meaning that your Critical Illness with Life Insurance is easy to manage and easy for your family to make a claim on in the future.

What benefits are there with taking the protection together?

By taking Critical Illness with Life Insurance as a package, most people will find they have made a vast saving over taking 2 individual policies. In some cases, people will even find that the Critical Illness with life Insurance works out more competitive than a life insurance policy by itself!

This is down to the fact that the Critical Illness market is far more competitive than the Life Insurance market and as such the premiums of Critical illness have progressively been driven down over the past few years.

Is it harder to get cover than with normal Life Insurance?

Whether taking critical illness as a stand alone product or combining it as critical illness with life insurance, you may find it is slightly more stringent with life insurance alone. However in a vast majority of cases, clients will not find it any more difficult to obtain. If you are concerned that you may have a issue securing critical illness with life insurance, please feel free to contact us and we will be able to advise you further.

Does my age have any effect?

As with any protection insurance policy and in particular with critical illness and critical illness with life insurance, you will find that as your age increases, so to will your premiums. Your age is accounted for during your initial quotation and any further increases to your premiums will be as a result of medical conditions or occupation over age.

How do I get a quote?

Obtaining a quote for critical illness with life insurance couldn't be any easier. Simply complete our quick and easy quotation form and we'll instantly return the most competitive premiums available on today's market. If you have any questions either about the cover or quotation given, please feel free to contact us and one of our friendly professional insurance advisors will be happy to help.