Critical illness cover.
A lump sum if you are diagnosed with one of the serious illnesses defined in your policy. Money to keep the household running while you focus on getting better.
What is critical illness cover?
Critical illness cover pays a lump sum if you are diagnosed with one of the serious illnesses set out in the policy. It is designed to support you and your family financially during an incredibly difficult period.
The conditions covered, and the definitions used, vary from insurer to insurer. That is one of the main reasons advice matters.
It is usually the most expensive type of protection. Unlike life insurance, it can pay out while you are still here.
Who is it for?
Nobody wants to think about being diagnosed with a serious illness, but life does throw curveballs. If you became seriously ill, you could find yourself under real financial pressure.
This cover is for anyone who would struggle to pay the mortgage or rent and the bills if illness stopped them working or changed how they live.
How we help.
Many people never put critical illness cover in place. Those who buy without advice can end up with a policy that does not cover what they assumed it did.
We carry out a full review of your circumstances, including any existing policies. We look at the type of policy, your budget and your medical history.
Then we search our panel of insurers for a policy that meets your needs within your budget and make a recommendation. We take care of the application, the underwriting and any medical reports.
What happens next.
Book a free call
We talk about who and what you want to protect, your budget and any cover you already have.
A full review
We look at your circumstances, your health and lifestyle, and any existing policies.
Our recommendation
We search our panel of insurers and explain the cover we recommend and what it does and does not include.
We handle the rest
The application, the underwriting and any medical reports. We keep you updated until cover is in place.
Policies have terms, conditions and exclusions. We will explain what is and is not covered before you go ahead. If you stop paying premiums, your cover will usually end.
Common questions about protection.
Do I need life insurance to get a mortgage?
No. Lenders do not make life insurance compulsory. It is worth thinking about if anyone depends on you financially and you would want the mortgage paid off if you were no longer around.
How much will life or critical illness cover cost?
There is no set price. It depends on you and the cover you choose. Insurers take into account things like your age, medical history, height and weight, and whether you smoke.
Do protection policies actually pay out?
Like any insurance, a policy will not pay out if important information was not disclosed on the application, or in cases of fraud. Otherwise, if the claim is for something covered by the policy terms, it should be paid.
That is why we take care over the application with you, so that what the insurer knows is complete and accurate.
Have a no obligation chat with us.
So that we can identify your options and the best next steps, book a free call. We will learn about you and your circumstances and put together a plan.