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The average age for a critical illness claim is 42**.

If you are in employment how long would your employer pay you in the event of long term ill health?

The main benefit of critical illness cover is that it is paid to a living person, suffering from one of the critical illnesses specified under the contract. They can use the proceeds to clear mortgages or loans, or to adapt their home or lifestyle without the need to use savings or liquidate assets.

Cover can be linked with nearly all the life assurance products available either as a stand alone contract, or on a first event basis which can help to reduce the cost.

As an independent adviser we can help you decide what type and level of protection you need at an affordable premium.

**Source: Scottish Provident (August 2006)