A serious illness like cancer, heart attack or stroke can stop you working and create significant financial pressure — even if you survive. Trauma Insurance provides a lump sum payment when you need it most, helping you focus on recovery rather than your bills. We work with all leading providers to find the right level of cover for you.
Then this cover is worth a conversation.
Life insurance pays out if you pass away. Trauma insurance pays out if you suffer a defined serious illness or injury — such as cancer, heart attack or stroke — regardless of whether you survive. They work best together as they protect against different events.
Stand Alone Trauma Cover is separate from your life insurance, so making a trauma claim does not reduce your life cover. Accelerated Trauma Cover is linked to your life insurance — a trauma claim reduces the remaining life cover by the amount paid. Your adviser will recommend the right option based on your needs.
Yes — many policies offer a Trauma Cover Buy-Back option, which allows you to reinstate your cover after a claim without providing additional medical information. This is an important feature to discuss with your adviser.
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