7 things to know before taking out specified illness cover

Specified illness cover can help to put your mind at ease and safeguard your family's future, giving you more time to enjoy the little things. But what should you know before taking out a policy?

It is a type of life cover which pays out a tax-free lump sum should you be diagnosed with a serious illness that is specifically covered by your policy.

It may not be necessary if you already have insurance cover in place that would provide for you in the event of you being diagnosed with a serious illness.

The cost of your policy will depend on a number of different factors and also if you are a smoker you can expect to pay extra.

Not all policies will cover the same illnesses. Each insurer will include a list of the specified illnesses it covers in its terms and conditions.

An important thing that people should be aware of is that being a smoker will naturally impact your application when applying for SIC.

There are many situations where you may not be covered by your serious illness policy.

Specified illness cover can also be added on when applying for mortgage protection or life insurance cover, also known as additional SIC.

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