When you are young you feel invincible, you can take on the world, falling ill or being incapacitated is not a concern for most of us.

As we get that bit older we come to realise that while we can still take on the world we are not as invincible as we first thought, a serious illness can take you by surprise and leave you facing a financial shortfall.

Specified illness cover is there to providing financial protection to those that are diagnosed and/or may need treatment for an illness deemed serious.