Critical illness insurance

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Critical illness insurance

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Critical illness insurance

Critical illness can throw your life upside down, personally and financially. Of course, we don’t expect to get seriously ill, but it can happen and could have a catastrophic impact on your financial situation. Critical illness insurance can protect against this scenario and provide financial stability to you and your family if you’re diagnosed with a serious illness or disability.

Protect your financial income against the impact of serious illness with critical illness insurance.

Critical illness insurance will provide you with a lump sum if you’re diagnosed with a serious or long-term illness. These policies are designed to help support you and your family financially so you can focus on your recovery without worrying about how you will pay the bills.

The types of illnesses covered by a critical illness policy are usually long-term and serious. These include conditions such as a stroke or heart attack, loss of arms or legs, or diseases like cancer, multiple sclerosis and Parkinson’s disease. But policies vary, so it’s essential to check the small print.

Critical illness insurance tends to be a cost-effective way to protect your income against illness and disability, but it does have drawbacks and limitations. So other types of insurance might suit you best. For example, income protection insurance may cover a broader range of illnesses and conditions than critical illness and could provide over a longer period if you can’t work. However, it will probably cost you more than critical illness insurance.

With a thorough understanding of your situation, we can assess all your options and recommend the right insurance cover to suit your needs and budget.

Because we play by the book we want to tell you that...

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances.

The fee is up to 1%, but a typical fee is 0.3% of the amount borrowed.

For insurance business, we offer products from a choice of insurers.