Critical Illness Cover

Critical Illness Cover can help minimise the financial impact on you and your family if you become critically ill.

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.

Things to consider

Expenses you may need to cover

When considering the correct level of Critical Illness Cover, think about the other expenses that you may need to cover whilst you recover. You will have your mortgage payment but also consider things such as utility bills, credit card and loan repayments, food shopping bills, and car repayments to name but a few.

Joint Policies

In some cases, it may be beneficial to have a ‘joint’ Critical Illness policy with your partner. Speak to one of our Protection Advisors who will be able to assess your critical illness needs.