What is Critical Illness Protection?

Critical illness insurance, otherwise known as critical illness cover is an insurance product.  The insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy.

Critical Illness Insurance can be added to a Life Insurance policy and is also available for both mortgage cover and family life cover benefit.

Mortgage Critical Illness cover will provide a lump sum to repay the mortgage debt in the event of you having a specified critical illness (such as a stoke, cancer or heart disease etc) named on the policy so that the family no longer has this financial burden.

Family Critical Illness cover can provide either a further lump sum or regular monthly amounts to make sure you are able to provide for the family at a very difficult time without any financial disadvantage.

As with all insurance policies, conditions and exclusions will apply.

Do I need it?

If you have to rely on your income to pay your bills, including your mortgage then we would highly recommend asking us to look into a critical illness protection product for you.  There are lots of other benefits to support you getting back to work with your rehabilitation.

You need to consider in the event of you having a serious/critical illness, the permanent disability you may be left with and the financial implications of this including having to adapt your home.

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