Critical Illness Cover
We will work with you to understand your situation and needs, then develop personalised advice to help you achieve your goals.
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What you should know
More of us than ever before will now suffer cancer, heart attack or stroke at some point during our lives. It is important to consider what financial impact this could have on you and your family. Finding out you have a critical illness is devastating and it can often be life changing – not only for you, but for your whole family. Discovering you don’t have the required protection in place just doesn’t bear thinking about at all.
Illnesses like cancer, heart attack and stroke immediately make us think of the worst. For many people, being diagnosed with such an illness, can change their lives dramatically. Would you be able, or want to go back to work in the same capacity as you do now?
Over recent years we’ve seen that survival rates for critical illnesses are improving – which is great news – but life often changes dramatically after diagnosis. Not just emotionally but financially too.
We can help you receive a vital tax free lump sum, to help you meet regular payments that still have to be made, for example; council tax, childcare costs, food and utility bills etc. There might even be extra things to pay for such as medication, or alterations to your home. Sick pay from your employer might help in the short term and state benefits only offer a limited amount.
Many people who are well enough to return to work can’t always work the same hours as before, so they could experience a long-term drop in income. It would be nice to know there was a financial cushion to fall back on if this happened, to make life that little bit easier. It would mean you could concentrate on getting better.
This is where critical illness insurance can really help. Even a little bit is better than none at all and it would give you peace of mind that if the worst happened, you’d be covered.
Get a personalised risk calculation quote here – drop us a line to discuss.
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