This insurance will pay a tax-free lump sum in the event of the diagnosis of a wide range of illnesses. It will help overcome any financial hardship that a serious illness would have on your income, with the lump sum being available to pay off debts such as a mortgage, to replace income, or enable early retirement.

The lump sum may be used to enable different lifestyle options, such as changing to a less stressful occupation. The choice lies entirely with the individual.