Mortgages in Blackpool ~ Mortgage Advisor in Blackpool ~ Buildings Contents Insurance Blackpool ~ Remortgages Blackpool
Services
Critical Illness Cover
Finding out you have a critical illness must be devastating. Discovering you don′t have the required protection in place just doesn′t bear thinking about.
Words like cancer, stroke and heart attack immediately make us think the worst and for many people, being diagnosed with such an illness can change their lives dramatically. Would you be able, or want to, go back to work in the same capacity as you do now?
We′ve seen that survival rates for critical illnesses are improving – which is great news – but life often changes dramatically after diagnosis. Not just emotionally, but financially too.
Critical Illness policies can provide a vital, tax free lump sum to help you in these circumstances to fund Mortgage payments, council tax, childcare costs, food and utility bills are just some of the regular payments that still have to be made. There might even be extra things to pay for such as medication, or changes to the home. Sick pay from your employer might help, but only for a short period, and state benefits only offer a limited amount.
Coping with a critical illness
Many people who are well enough to return to work can′t always work the same hours as before, so they could experience a long-term drop in income. It would be nice to know there was a financial cushion to fall back on if this happened, to make life that little bit easier. It would mean you could concentrate on getting better.
This is where Critical Illness Cover can really help. Even a little bit is better than none at all. It would give you peace of mind that if the worst happened, you′d be covered.
However, critical illness policies can vary greatly in terms of the number of illnesses they cover and the added benefits provided and we believe it is important you take advice before deciding on the best policy for you.
We can talk you through the different options and policy types to ensure you have the most appropriate level of cover to suit your budget.
We do not charge any fees for advice on our range of insurance products.
Please either call us on 01253 293400 or complete our contact form.