Are you prepared for worst-case scenarios? Modern life is busy, and it’s easy to get caught up in work life, home life and social life. But have you ever thought of what might happen if you were to take ill or go through a major operation that leaves you unable to work for an extended period of time?
Critical Illness Cover is an insurance policy that helps to protect you and your family if you are diagnosed with a critical medical condition during the term of your policy. This will pay out a tax-free lump sum that can be used to help cover health-related costs, monthly expenses or to balance out lost income as you recover.
Depending on your circumstances, government unemployment benefits usually come in at around £50-£70 per week. Could you survive on this amount of money each week?
Nobody likes to think of it, but a simple internet search will show the probability of being diagnosed with a critical illness in your lifetime. If you provide for your family, a proactive approach can improve your quality of life and provide you with financial security.
We’ve been using Mark for a number of years now for both mortgages and insurance policies. His knowledge about both is first class and he is so professional at all times. hIs correspondence is speedy and he is slick at what he does.
When it comes to choosing the right critical illness insurance for you, it is essential to be well advised. One of the biggest concerns from clients is that a critical illness insurance “won’t pay out”, or “will only cover a small number of instances”.
Whilst critical illness products have become more complex – particularly in light of the increasingly ageing population – many more illnesses are now covered by this type of insurance, but it is important to talk with an expert to ensure that the policy you choose is right for you. This is especially important for those of you with higher-risk occupations.
At Crawford Mulholland, we can help you work through the list of insurers to choose a policy with not only the most affordable rate, but also with the most suitable cover. The fact that we are not tied to one insurer means that we can better support you to find the right cover for your lifestyle, should something major happen in your life.
Get In Touch Today
Contact us today for a free initial appointment. In just a few minutes, we can go through your details over the phone and give you an indication of the critical illness cover options that are available to you.