Case Study: Steve's Story

“My attitude towards life has changed significantly in the past year”

Jaskeet Briah
clock • 5 min read

Steve Huxtable is 64 and lives near Exeter with his wife Tina, having worked for Zurich in a variety of different roles since 1988. Almost 30 years ago, Steve took out a critical illness policy with the provider when his daughter Emma was five. His decision was prompted by a family friend whose husband developed a motor neurone disease. Although the couple had life insurance, no critical illness cover was in place and subsequently they were struggling financially. Steve never thought he would need to make a claim himself as his daughter is now an adult and financial constraints hav...

To continue reading this article...

Join COVER for free

  • Unlimited access to real-time news, key trend analysis and industry insights.
  • Stay on top of the latest developments around health and wellbeing, diversity and inclusion and the cost of living crisis.
  • Receive breaking news stories straight to your inbox in the daily newsletter.
  • Members only access to monthly programme 'The COVER Review'
  • Be the first to hear about our CPD accredited events and awards programmes.

Join now

 

Already a Cover member?

Login

More on Critical Illness

A wake-up call: Cancer prevalence and protection

A wake-up call: Cancer prevalence and protection

“We can no longer walk away from this conversation”

Cameron Roberts
clock 12 March 2026 • 5 min read
CIExpert adds Guardian to Children's CI Customiser Tool

CIExpert adds Guardian to Children's CI Customiser Tool

Cover amount between £10,000 and £100,000

Jaskeet Briah
clock 27 January 2026 • 2 min read
Total & Permanent Disability – what's the real story?

Total & Permanent Disability – what's the real story?

Analysing claims data

Phil Cleverley and David Ferguson
clock 04 November 2025 • 4 min read