Illness Cover

What will a critical illness mean for your family and your finances?

Whatever your age, you could find yourself facing a critical illness, such as cancer or a heart attack, meaning you can’t work to support your family.

Critical Illness cover pays out a lump sum to substantially ease financial worries for you and your family.

To speak to one of our team and  get your family protected today for tomorrow

3 of the critical illnesses most claimed on are
Heart Attack
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Cardiovascular, Heart & Circulatory disease cause more than a quarter (26%) of all deaths in the UK. That is nearly 160,000 deaths each year, an average of 435 people each day or one death every 3 minutes.

The British Heart Foundation Nov 2016
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By 2020 almost one in two people (47%) will get cancer at some point in their lives. There are now 2.5 million people living with cancer in the UK.

Nov 2016
Fortunately, a specific product exists to cover a wide range of serious illnesses – Critical Illness cover.
This is designed to pay out a lump sum

(if the condition was specified in your policy, and you survive generally for 30 days from the date of diagnosis);

thereby easing a lot of the immediate financial worries for you and your family during which will be a difficult time.
And don’t think that this is only of concern if you’re much older. The average age of critical illness claimants from one insurer, for example, was 46! Legal & General claims statistics, 2015
You may get some sick pay from your employer which will act as a buffer for you in the interim, after that you would have to claim state benefit of limited value.
If you are self-employed you will not get any sick pay and will be surviving on state benefits if you have no critical illness cover in place.
Focus on recovery

If you suffered a critical illness, surely it would help to focus all your energies on recovery,
without the additional worry about your finances?

You can decide the level of cover you require at the outset, should you need to claim.

Perhaps you may want to have enough to pay off the mortgage, or alternatively you may decide to opt for less cover (meaning a lower premium too), but still have enough to see you through the initial couple of years as you recover.