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Critical Illness Cover Insurance Advice
Critical illness insurance covers you financially if you’re diagnosed with a serious illness. It’s usually a lump-sum payout, so you have the money you need while you’re recovering.
What you use it for is up to you - it could be for medical expenses, to cover your mortgage or just to live on if you’re unable to work.
It’s something we recommend to all of our mortgage clients, to make sure you’re financially secure if the worst happens and to give you peace of mind, too.
So, we can help you find the right critical illness policy to protect you and your loved ones.
What is critical illness cover?
Critical illness cover is a type of insurance that pays out a tax-free lump sum if you’re diagnosed with a serious illness - as long as it’s mentioned in the policy.
You can use it to cover things like your mortgage payments, medical bills or just day-to-day living costs while you can’t work.
The kind of conditions included are things like cancer, heart attacks, strokes and some neurological disorders. It’s important to check exactly what is covered as it does vary by insurer.
You’ll also need to declare certain illness history in your family, as some health problems can be hereditary.
People often get critical illness cover alongside life insurance, so they know their loved ones are covered whatever happens.
How can Green & Green help me find the best critical illness cover?
t starts with a conversation. We’ll talk about your financial situation, and what your budget for critical illness cover is. We’ll also discuss your mortgage if you have one, and life insurance too.
We’ll also ask you about your health, and if there’s any history of illness in your family. This is really important because insurers will want to know it too - and if you don’t tell them something, it could mean your insurance doesn’t pay out.
Once we know what you need, we’ll search our list of insurers and find a few policies that suit you. We’ll look at things like what’s included, how big the payout is and what your monthly cost will be.
Then we’ll invite you back for another chat, where we’ll explain the different policies we’ve found and the differences between them. We promise not to baffle you with waffle and jargon - we’ll explain in sensible language so you can make an informed decision.
When you’ve chosen your policy, we’ll take you through the application and get your policy sorted so you’re covered.
Why choose Green & Green?
There’s a lot of choice when you’re looking at critical illness insurance. Different policies cover different illnesses, with different amounts of payout in different ways, and they work differently with life insurance.
It can all be a bit overwhelming.
But we know the market, and we’ll get to know you so we can simplify the process, and find the policy with the right cover for you - and at the right price.
So whether you just need a critical illness policy, or you need to combine it with life insurance, we help you get the right protection.
No need to take our word for it
Check out the lovely things some of our happy clients have said about us.
Highly recommend
Could not recommend James enough. He has been very helpful dealing with mortgage and life insurance to suit our needs. He has gone the extra mile checking up on us to make sure everything is going smoothly and always quick to get on with the job as soon as possible. Highly recommend.
Sam Jelley
Helpful and professional
James was excellent from start to finish in sorting my life insurance. He was helpful and professional throughout the process, ensuring he could meet my needs. His attention to detail ensured everything went smoothly and I will not hesitate to utilise his services again when it comes to my mortgage renewal.
Ash Wheldon
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Frequently asked questions about critical illness cover
What does critical illness insurance cover?
Critical illness insurance covers serious medical conditions, such as cancer, heart attacks, strokes, and certain neurological conditions. The exact conditions covered vary depending on the insurer, so it’s important to review the policy carefully.
Can I get critical illness cover with life insurance?
Yes, many people choose to combine critical illness cover with life insurance. This provides a payout if you’re diagnosed with a serious illness and can also cover your loved ones financially in case of death.
Do I need critical illness cover if I have a mortgage?
While it’s not a requirement, having critical illness cover can give you peace of mind that your mortgage and other financial obligations are protected if you become too ill to work.
How much critical illness cover do I need?
The amount of cover you need depends on your financial situation, including your mortgage, debts, and living expenses. We can help you assess your needs and find the right level of cover to suit your circumstances.