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Critical Illness Cover

What would your family do if you became ill?


We encourage all our clients to consider how they will protect their loved ones if they 
were to die or suffer from a critical illness, especially during the term of their mortgage.
Recent statistics show a worrying figure of 50% of homeowners don’t have any form of life insurance, a figure that rises to 72% when you consider those without critical illness cover.
Many people think the cost of insurance is prohibitive. Premiums are usually much lower than you think, especially if you are a non-smoker and in reasonably good health. Insurers accept 96% of all applications, even for people who have underlying health issues or have been seriously ill in the past.

What is it?

A Critical Illness plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. It is often ‘bolted on’ to a life assurance policy as an additional benefit but can also be a standalone plan.

Who is it for?

This type of plan is designed for those individuals or families whom want a lump sum if they are diagnosed with a serious illness. As an example of where this lump sum could be used is to repay a loan, mortgage, or perhaps pay for time off work. The lump sum could even be used to pay for any necessary alterations to your home. 

The quality of cover and the illnesses covered can vary significantly between different providers. As advisors we can help you find the plan that best meets your requirements.

If you are interested in critical illness cover contact us now to make an initial telephone or face to face appointment.