Child Care

Q. How widely available is critical illness (CI) cover for children? CI is now widely available, especially among the IFA providers. Where available it is included as standard within the plan at no extra cost. It will generally cover all children including natural, legally adopted and also frequently dependent step-children of the life assured, whether born before the plan was taken out or after. Age limits do tend to vary. The most generous parameter is 30 days to 18 years. However, some major providers, including Norwich Union and Standard Life, restrict the minimum age to one year. ...