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?
Critical Illness policies can provide a vital lump sum or regular income to help you in these circumstances to fund Mortgage payments, council tax, childcare costs, food and utility bills which may be 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. It is designed to pay out a sum of money should you be diagnosed with a specified critical illness during the term of the policy. 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 to some extent.
However, critical illness policies can vary 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 a suitable 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 charges any fees for advice on our range of insurance products.
Please either call us on 01257 270729 or complete our Contact Form
Churchside Financial Planning Ltd,
46 Halliwell Street,
Tel: 01257 270729
If you have any queries or wish to make an appointment, please contact us:
Tel: 01257 270729
Or use our contact form.