Critical Illness Cover

The impact of a critical illness can be far-reaching, affecting not only your life but also your family’s. Financially, you may struggle to support them while you recover. Having insurance in place can ease this burden, ensuring that paying bills is one less thing to worry about during a challenging time.

Critical illnesses such as cancer, strokes, and heart attacks are covered under these policies, providing you with a lump sum payment to support you and your family during your recovery. This type of cover is ideal if your family depends on your income, helping them manage essential expenses such as bills, mortgage payments, and childcare when your usual income is unavailable.

It’s important to note that these plans do not have a cash-in value at any point and will end when the policy term concludes. If premiums are not kept up to date, the coverage will lapse.

WHY GET THIS INSURANCE?

Critical illness insurance covers a wide range of conditions offering you and your family the financial security you need during difficult times. These plans can help with mortgage payments, fund private treatment, or allow you to reduce your working hours, putting you in a stronger financial position. If these benefits align with your needs, this coverage may be worth considering.

Please note: Critical illness plans may not cover all definitions of a critical illness. Coverage varies between providers and will be detailed in the key features and policy documents provided with your plan.

These policies have no cash-in value at any time and will end when the term concludes. If premiums are not kept up to date, the coverage will lapse.

CHILDRENS CRITICAL ILLNESS

Many of the policies we offer advice on coverage for your children if they are diagnosed with a critical illness. Making a claim for your child does not affect your own coverage, and your policy remains intact with the same benefits as before. The lump sum provided in the event of your child’s critical illness can help cover additional expenses, such as medical equipment, time off work, or the increased costs of caring for them during their recovery.

GET A CONSULTATION

We’re more than happy to come out and see you, at a time that suits. Evenings & weekends too, if needed!