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Critical Illness Cover can be combined with level or decreasing term life assurance cover. Pays out a lump sum upon the diagnosis of a specified critical illness. Critical Illnesses include heart attack, cancer, stroke, multiple sclorosis, blindness, total and permanent disability etc. (1 in 4 men and 1 in 5 women will contract one of the conditions covered by a standard critical illness policy before they reach the age of 65 - source Henover Re 2001)
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