Critical Illness Cover

 

What is Critical Illness Cover?

Ever thought about what will happen should you be diagnosed with an illness or medical condition that prevents you from working and therefore bringing an income to your household? Critical Illness cover is insurance that provides you with a tax free lump sum in the event that you are diagnosed with a specific illness or medical condition.

In the event of a claim the money will be yours to spend as you wish whether that means paying medical bills, clearing debts or making an investment for your family, the choice is yours.

Why is Critical Illness Cover important?

How will you and your family cope financially should you be diagnosed with a critical or serious illness which prevents you from working, requires expensive treatment or is terminal?

Will you be able to keep up with the mortgage payments and other household bills?

A quick internet search will provide you with lots of worrying statistics about the frequency of Critical Illnesses and the probability of you having one. Therefore, it is important that you are proactive in your protection planning to ensure that you have the safety net in place should you and your family need it.

How can our Protection advisers help you?

If you think that your family would struggle to pay your mortgage and other monthly household bills if you were critically ill, then contact one of our dedicated protection advisers today and see if Critical Illness cover is right for you.

They will go through your circumstances including your family history, in order to recommend a policy that is most suitable for your needs. If you do not have any cover in place or you would like to review an existing policy, contact our dedicated advisers today.

Arrange a free appointment

Your Questions Answered

Do I need to insure my mortgage?

For the majority of people, a mortgage is the biggest financial commitment they are ever going to make. As such it is prudent to ensure that it is protected which will allow the mortgage to still be paid should in the event of, critical illness, accident, sickness, unemployment and ultimately loss of life.

More detail on Insurance can be found in ‘Life Cover

Where can I find information on becoming a landlord?
You can find a comprehensive guide for landlords on tenancy agreements and deposits on the governments website gov.uk/tenancy-agreements-a-guide-for-landlords
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