Critical Illness

Critical Illness insurance would be suitable for just about anyone. It protects you should you  suffer financially if you were to get a critical illness or become permanently and totally disabled.

If you suffered such an illness you would have cover that would allow you to receive a lump sum to help with recuperation, medical costs, payment of your mortgage, regular payments to replace your income or even a sum to pay for modifications to your home such as widening your doors for a wheelchair if you were to become permanently disabled.
If you have children and one was diagnosed with a critical illness and was in a hospital many miles away it is likely that you would want to stay with them or at the very least visit them everyday. Could you afford to do that? Most Critical illness policies include benefits that are paid out if one of your children should suffer in this manner at no extra cost without affecting your own personal benefits from the policy.

The cost of the cover is normally calculated from the level of the benefit, however if you have a budget in mind companies will calculate a level of benefit from whatever you feel you can afford. Some companies have a minimum premium for this benefit of £5.00 each month, so the cover can start at an affordable level.

Endsleigh Financial Independent Tailoring will be able to help to guide you through the best critical illness cover options available to you and can discuss at further length with you, a suitable level of cover to best suit your individual requirements. We are able to look at products from every company within the UK marketplace.

Our critical illness policy comparison service is free (unless you opt to pay a fee for our advice). Unlike many other Financial companies and brokers we are not tied to one or several life assuranve companies, meaning they we act truly independently across the critical illness marketplace to try to get you the best and most appropriate deal for your needs.

Comparing critical illness assurance with us means that you will have access to the entire UK critical illness assurance marketplace. All you need to do is complete our online quote form by click on the Get a Quote button above.

The term of your critical illness insurance cover will depend on a number of factors including what or who you are trying to protect.

For example, if you want to ensure that your mortgage is repaid should you suffer a critical illness then the term of the policy should match the term of your mortgage.
If you want to ensure that your family would have sufficient funds to enable you all to lead as normal life as possible, then a policy whose term is as long as your children are likely to be dependent upon you would be advisable.
You may want to protect yourself or your partner whilst you are working, and therefore a critical illness policy running until you retirement may be the most suitable.
It may be that you would be concerned about being diagnosed with a critical illness at any time in your life, which would mean that a Whole of Life policy would probably be the most appropriate for you. This type of policy will continue to cover the policyholder until they die, or stop paying the premiums. This means that at any age if you are diagnosed with a critical illness or were too ill to look after yourself then the benefit from such a policy would be paid.