Critical Illnesses can occur in all age groups with a significant percentage of claims being made by younger people, many under 30.

Insurance Industry figures show that people are five times more likely to suffer a critical illness than die before the age of 65.

With group critical illness insurance, a lump sum could be paid to employees who contract any of a range of serious illnesses. This could be used to pay off a mortgage, make necessary alterations to a home or even fund medical treatments.