Critical Illness Insurance Advisors
PROFESSIONAL, PERSONABLE CRITICAL ILLNESS INSURANCE ADVISORS.
Critical Illness insurance can be very good value. The Mortgage Mom has access to a large panel of protection providers so can ensure the right solution can found for you without you having to lift a finger!
What Types of Critical Illness Does This Cover?
Examples of critical illnesses that might be covered include:
- Heart attack
- Certain types and stages of cancer
- Conditions such as multiple sclerosis.
Most policies will also consider permanent disabilities as a result of injury or illness. It only pays out once and then the policy ends. Some policies will make a smaller payment for less severe conditions, or if one of your children has one of the specified conditions.
What Isn’t Covered with Critical Illness Cover?
Some serious illnesses might not be covered, for example, some cancers and conditions not listed in the policy. You probably won’t be covered for health problems you knew you had before you took out the insurance, and this type of insurance doesn’t payout if you die. What’s covered and what’s not, will be set out in the policy details so make sure you’re fully aware of them and that they cover your needs.
Critical Illness Cover Advisor Sutton Coldfield
Critical Illness Cover can come at a very good value. The Mortgage Mom has access to a large panel of protection providers so can ensure the right solution can be found for you without you having to lift a finger!
Who Doesn’t Need Critical Illness Cover?
You might not need Critical Illness cover if:
You have enough savings to fall back on and can cover expenses such as bills, loans, medical costs or a mortgage. You have a partner who can cover living costs and any shared commitments, such as a mortgage. You already have some cover included as part of your employer’s employee benefits scheme.
How Much Does Critical Illness Cover Cost?
Your monthly payments will depend on a number of factors, including:
- Your age
- The amount of cover you take out
- Whether you smoke or have previously smoked
- Your health (your current health, your weight, your family medical history)
- Your job (some occupations carry a higher risk than others and might mean you have to pay more each month.