Critical illness cover advice
Surviving a serious illness is far more likely than it used to be, which is wonderful news, but recovery often comes with a financial cost. You might need time off work, changes to your home, or simply the freedom to focus on getting better without worrying about money.
Critical illness cover helps provide a lump sum if you are diagnosed with a serious illness such as cancer, a heart attack or a stroke. We help people across Buckinghamshire, Berkshire and Oxfordshire understand it and decide whether it is right for them.
What critical illness cover does
If you are diagnosed with one of the serious conditions covered by your policy, critical illness cover pays out a tax-free lump sum. You can use it however you need, whether that is replacing lost income, paying off some of your mortgage, adapting your home, or simply removing financial pressure while you recover.
It is there to give you choices at a time when you might otherwise have very few.
Critical illness plans do not acquire a cash value. The cover provided will cease if premiums are stopped.
What does it cover?
Policies vary in which conditions they cover and how they define them, and this is one of the areas where advice really matters. Some policies are far more comprehensive than others, and the cheapest is rarely the best.
We help you understand what a policy actually covers, so you are not relying on cover that turns out to fall short at the point you need it.
Combining it with life cover
Critical illness cover is often arranged alongside life insurance, and combining them can be a cost-effective way to protect against both outcomes.
We help you decide whether to combine or keep them separate, based on what works best for your circumstances and your budget.
Let us talk
If you want to understand how critical illness cover could protect you and your family, a short conversation is the best place to start. No obligation.