| When you apply for critical illness insurance quote your
insurance quotation is sent to our IFA who will assess your requirements
for cover and usually be able to
obtain a competitive quote to meet your demands and needs. There has been much publicity in the press about critical illness policies not paying out when a person had to make a claim (and by definition that person is probably in a very poor medical condition and unable to earn a regular income). Usually this happens when the person has failed to disclose current or previous medical conditions when completing the form (maybe encouraged by a commission-hungry salesman!) or when they were led to believe that certain medical illnesses were covered when they weren't - as is usual in insurance you pay for the cover you get. We would therefore like to remind you that you should disclose all material facts when entering any contract of insurance (not just critical illness). A material fact is one that could affect the policy in any way and examples of material facts for critical illness (as mentioned) could be any pre-existing medical conditions or even a family history of medical problems. This list is not exhaustive if you are in doubt whether a fact is material it should be disclosed. (One of the reasons why the IFA will contact you after sending the quotation). Failure to disclose a material fact can result in your policy not protecting you when you need to make a claim. You should also use this box if you have any specific requests for cover or would like any specific information.
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