What is Critical Illness Cover?
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. Having a Critical Illness policy in place can provide some financially breathing space giving you the time to understand your condition and focus on your treatment. We work with many insurers and prepare in depth research to ensure we have recommended the most comprehensive policy, whilst taking your monthly benefit into account.
Why should I consider a Critical Illness Cover policy?
Cancer, Heart Attack and Stroke. Sadly, these illnesses are familiar to us all and will likely have had an impact on our lives, in some way. Unfortunately, these illnesses are very common but there are many many more that could also affect us, not just in terms of our physical and mental wellbeing but also on our financial picture too. Having a Critical Illness policy not only provides some financial stability but also can offer medical advice to you along with emotional support to your family.
Do you have a Critical Illness Need?
If any of the following apply to you, you would benefit from having a discussion with us about your Critical Illness needs:
- I want to have the option of paying for private treatment
- I want to focus on my recovery, not on worrying about my finances
- I want to repay my mortgage and stay in my home if I become seriously ill
- I want to be able to continue to provide for my family, so they don’t miss out, even if I become ill
What can our Protection advisers do for you?
Our specialist Protection advisers will look at your circumstances, listen to your concerns and take the time to understand your priorities. By doing so, you can be sure we have made a personal recommendation which provides you with the peace of mind you deserve. We understand that in life, circumstances change. This is why we review your needs (and policy) on an annual basis, to ensure you continue to have suitable provisions in place in the worst-case scenario.
When providing you with advice, we will discuss the different options available along with your monthly budget. We will agree a premium that is comfortable so that you still have disposable income left to enjoy some of life’s luxuries!
Speak to one of our dedicated Protection advisers today to find out how we can help you.