Critical illness cover advice.

If you or your partner were to be diagnosed with a specified critical illness, it’s vital that you have a sufficient level of cover in place.

What is critical illness cover?

Critical illness cover is a form of insurance that provides you with protection if you are diagnosed with a critical illness. They way it works is by paying the policy holder a lump sum of tax-free cash should you be diagnosed with a named illness. There is no criteria on how you spend the money you are paid, you can use it to pay bills, adapt your home or any other way you see fit.

Why you should have critical illness cover.

If you become seriously ill, which could render you unable to work, this could put a huge financial burden on you and your family. No one knows if they are going to be diagnosed with a critical illness, which is why it’s always important to plan for the unexpected. If you don’t have savings to fall back on, you could be left struggling to pay household bills, rent or mortgage payments or other day to day outgoings.

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Competitor

Are they whole of market (independent) ?

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Do they have a client charter and set of service standards?

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Are they able to demonstrate a consistent pattern of satisfied clients?