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Critical Illness Cover

Cover yourself with the best critical illness insurance….

Critical illness insurance pays out a lump sum if you're diagnosed with a serious illness, providing you with a financial lifeline when you most need it.

It's a fact, 1 in 4 people between the ages of 30 and 60 will suffer from a critical illness* and more than 1 in 3 people will develop a form of cancer during their life time, It's not a nice fact but none the less it's true.

A critical illness insurance policy is designed to help you survive such an event by relieving the financial pressure. Getting the best critical illness insurance can also mean getting the best private medical treatment so that you don't have to rely on the NHS waiting list.

What Does Critical Illness Insurance Cover?

Reputable policies will include cover for up to 35 critical illness conditions, such as cancer, stroke and heart attack. Plans also typically cover diseases such as Alzheimer's and Parkinson's as well as physical injuries like paralysis/paraplegia and loss of limbs. Essentially, if you were to suffer any one of the serious illnesses or injuries listed in your policy the plan would pay out a lump-sum which could be used to pay for care, repay your mortgage or make alterations to your home.

Any payout from the critical illness component of the policy will always be tax-free and is paid directly to you. If the policy is written into trust then any payout from the life insurance side of the policy will also be tax-free. (With joint plans the policy will automatically payout tax-free to the remaining partner)

What is Critical Illness Cover?

Critical Illness Insurance is used to protect yourself if you were ever to suffer from one of the many illnesses covered in your policy. Many people take out critical illness cover in conjunction with their life insurance policy, but you can also purchase it as a standalone product.

Critical illness cover can be taken out to protect your family and replace your income whilst you are unable to work and can also be used to cover your mortgage or any other debts. In the event that you suffer from a critical illness covered under your policy, you would receive a lump sum of money.

Possible Scenarios…

You've just met with the doctor. It's bad news and you have been diagnosed with cancer.

Your life has been turned upside down with the news. He's given you 2 weeks sick leave to get your head together. You've told your family, now what do you do?

a) Get up every day, go to work, look after family andsqueeze in chemo?
b) Quit your job and survive on £81.60* per week?
c) None of the above?

(c) it is then! Thankfully there's a protection product that can give you another option. Critical Illness cover can provide you with the financial freedom to concentrate on getting better, spend time with your family and maybe even fulfil some of your dreams.

As advisors, the hardest part of our job is receiving a call from a family member asking if their loved one has this cover. So please, don't leave it until it's too late! Please take 10-15 minutes to talk to an expert and find out what your options are to protect you and your family. Call now on 01323 412013 or fill in the enquiry form above and we'll call you back.

Coping with a critical illness will be one of the most difficult times in your life.

  • A critical illness plan will take the financial pressures away by paying out a lump sum upon diagnosis of a specified illness during the term of your plan.
  • It can be used for family, mortgage or business protection.
  • The lump sum paid out can be used to help repay a mortgage, pay for private medical treatment, cover monthly bills, make adaptations to the home or pay for a convalescence holiday.

For more information please call us now on 01323 412013.