Financial protection when you need it most. Get a lump sum payment if you're diagnosed with a serious illness.
Critical illness cover is an insurance policy that pays out a tax-free lump sum if you're diagnosed with a specific serious illness listed in your policy. This financial support can help you and your family cope during a difficult time, allowing you to focus on your recovery without financial worries.
Provides a lump sum payment that can help cover medical expenses, mortgage payments, and other financial obligations during your recovery.
Helps replace lost income if you're unable to work due to a critical illness, allowing you to maintain your standard of living.
Gives you the reassurance that you'll have financial support if you're diagnosed with a serious illness, allowing you to focus on your recovery.
Many people underestimate the financial impact a critical illness can have on their lives. Consider these facts:
Critical illness cover provides a crucial financial safety net, ensuring you can focus on your recovery without the added stress of financial worries if you're diagnosed with a serious illness.
There are several types of critical illness policies available, each designed to meet different needs and circumstances. Understanding the options is the first step in choosing the right coverage for you and your family.
A policy that specifically covers critical illnesses without any life insurance element. It pays out if you're diagnosed with a condition covered by your policy.
Best for: Those seeking focused protection for serious illnesses without life insurance
A policy that combines life insurance with critical illness cover, providing comprehensive protection for both death and serious illness.
Best for: Those wanting comprehensive protection in one policy
Extends protection to include your children for certain critical illnesses, providing financial support if your child becomes seriously ill.
Best for: Families with children seeking comprehensive protection
Pays out different amounts based on the severity of your condition. More serious conditions receive higher payouts, while less severe ones receive smaller amounts.
Best for: Those wanting flexible coverage based on illness severity
Designed for business owners and key employees, providing financial protection for the business if a key person is diagnosed with a critical illness.
Best for: Business owners, partnerships, and companies with key personnel
An add-on to an existing life insurance policy that provides an additional payout if you're diagnosed with a critical illness.
Best for: Those with existing life insurance wanting to add critical illness protection
Income protection insurance offers numerous advantages that can significantly improve your financial security and provide peace of mind for you and your family.
Ensures you can continue to pay your mortgage, bills, and other essential expenses if you're unable to work due to illness or injury.
Unlike statutory sick pay or employer benefits, income protection can provide support for years or even until retirement age.
Helps maintain your standard of living and prevents you from having to deplete your savings or take on debt during periods of illness.
Policies can be tailored to your specific needs, with options for different waiting periods, benefit periods, and additional features.
Benefits from personal income protection policies are typically paid tax-free, maximising the financial support you receive when you need it most.
Covers a wide range of illnesses and injuries that might prevent you from working, including mental health conditions and stress-related issues.
Getting the right income protection coverage is a straightforward process when you work with our experienced advisors. Here's how we help you secure the protection you need:
We'll help you determine what level of coverage you need based on your income, expenses, existing benefits, and specific concerns.
We'll calculate the appropriate coverage options considering your occupation, age, health, desired level of cover, and any additional benefits you might need.
We'll research the market to identify the most suitable policies and providers based on your specific needs, occupation, health status, and budget.
We'll assist with the application process, including any medical questionnaires or examinations required by the insurer during underwriting.
Once approved, we'll ensure your policy is correctly established and that you understand exactly what is covered and how to make claims.
We'll conduct periodic reviews to ensure your coverage remains aligned with your changing income, health needs, and circumstances.
Getting the right critical illness coverage is a straightforward process when you work with our experienced advisers. Here's how we help you secure the protection you need:
We'll help you determine how much coverage you need based on your financial obligations, income, dependents, and long-term goals.
Most lenders require at least 5-10% of the property value as a deposit. Government schemes like Help to Buy and Lifetime ISAs can help boost your savings.
We'll calculate the appropriate coverage amount considering your mortgage, debts, income replacement needs, and potential medical expenses.
Check your credit score, gather necessary documents, and understand your budget. We'll help you prepare for the mortgage application process.
We'll research the market to identify the most suitable policies and providers based on your specific needs, health status, and budget.
With a mortgage in principle, you can start viewing properties within your budget and make offers with confidence.
We'll assist with the application process, including any medical questionnaires or examinations required by the insurer during underwriting.
Once your offer is accepted, we'll guide you through the legal process, surveys, and final mortgage application to completion.
Once approved, we'll ensure your policy is correctly established, beneficiaries are properly designated, and any trust arrangements are set up if needed.
Congratulations! You've completed your purchase and can now move into your first home. We'll still be here for any future mortgage needs.
We'll conduct periodic reviews to ensure your coverage remains aligned with your changing life circumstances and financial needs.
Once your offer is accepted, we'll guide you through the legal process, surveys, and final mortgage application to completion.
Don't leave yourself financially vulnerable. Our expert advisers can help you find the right critical illness coverage to ensure your security and peace of mind if the unexpected happens.
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