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Critical Illness Insurance
Serious illnesses can unfortunately affect us all at any time in our lives and that often occur without any prior warning. Whether you are a parent, young couple, or even single, you should consider taking out critical illness insurance protection if your income would be affected due to a major illness.
What is critical illness insurance?
Critical illness insurance, also known as Critical Illness Cover (CIC), is a policy that pays out a lump sum in the event of the policyholder falling ill with a serious illness, which typically means that they cannot work. Critical illness insurance is designed to cover the costs of treatment, specialised equipment, the loss of income that might occur if the you are too ill to work, and anything else that might be needed while you recover.
Let us guide you through the process
You may be wondering what exactly a critical illness is.
It depends on your policy, and it is usually defined in your policy wording. For example, some common critical illnesses are heart attack, stroke, and cancer.
However, even within those 3 there are numerous details that you will need advice on - some policies will only pay out a certain percentage (if at all) based on the severity of the illness, while some may cover more illnesses than others. Not only that, but some will offer a level of cover for your children, or may cover work related illnesses - for example illness caused by asbestos.
While insurance is often more expensive the likelier you are to claim on it, the good news is that the younger and healthier you are, the better life insurance cover you are going to find.
With all the options and variations out there it is important you get impartial advice before taking out cover, to ensure it covers what you want and you understand all it has to offer. This is where we at Woodason Financial Services can help you.
We will assess all your options, taking into account what you want protected, and will then come back to you with a bespoke solution that covers all your needs. We will work with you to ensure that not only does the solution work for you, but that it also works for your budget - there is no point in taking out insurance that you cannot afford to keep paying for.
Best of all? We will do this all for you without charging you a single penny.
Online comparison sites will not have the insight or knowledge that an insurance adviser will. Speak to an adviser today and ensure you are getting the right insurance for your needs, and that you understand exactly what you are protected against.
At Woodason Financial Services we have in-depth knowledge of what is possible with many insurers, including specific niche circumstances. For example, we could:
• Get you insurance with no medical underwriting
• Bundle multiple policies with one insurer, reducing the total cost
• Arrange insurance for both you and your business
• Get you insurance when you have been declined elsewhere
• ...and many more!
Contact us today and find out how Woodason Financial Services can help you, completely for free.
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Think carefully before securing other debts against your home. Your mortgage is secured on your home, which you could lose if you do not keep up your mortgage repayments.
We may charge a fee for mortgage advice in exceptional circumstances. The amount we charge will be confirmed before any charge is incurred. Please refer to the Terms of Business or contact us for further information.
woodason.co.uk is a trading name of Thanet Mortgages Limited which is authorised and regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on a mortgage or other loan secured on it. Think carefully before securing other debts against your home. Not all forms of bridging finance, secured loans, buy to let and commercial mortgages are regulated by the Financial Conduct Authority.
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