Critical Illness Cover

A financial safety net to help should you be diagnosed with an illness

What is Critical Illness Cover?

Critical Illness Cover acts as a financial safety net if you are diagnosed with an illness that is listed in your policy.

Insurance such as critical illness cover can come in really handy if your income, such as state benefits or sick pay from your employer doesn’t quite cover all of your needs.

It works by paying out, a tax-free, one-off payment (after payment the policy will end) which can help pay for treatment, your mortgage, childcare or any changes to your home following your diagnosis should you need it. I.e., Disabled access

So, it’s a good idea to have a think about how much you would need to live on should you become seriously ill and whether you may need some extra money to boost your income.

How much is Critical Illness Cover?

This completely varies as no two people’s situations are the same and there are a number of factors that need to be taken into consideration. These include.

  • Your age
  • How healthy you are
  • Your lifestyle
  • Your occupation
  • Your hobbies
  • Your family medical history
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What does this cover?

There are many comprehensive policies out there that cover over 50 different conditions, however, others may be more limited.

Examples of critical illnesses that may be covered include:

  • Heart Attack
  • Stroke
  • Cancer (Certain types and stages)
  • Parkinson’s disease
  • Alzheimer’s
  • Traumatic head injury
  • Multiple Sclerosis
  • Organ transplant
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How can Tipping & Webb help?

We understand that it can be difficult to assess and guess the likelihood of illnesses that could happen to you and your family, this is why all of our advisers will speak with you with a sense of compassion and as a human being.

At Tipping & Webb, our clients are at the heart of everything that we do, and we feel that we have a duty of care to ensure that our clients’ needs are fully met. This is why we offer our clients a full financial review of income, assets, outgoings, lifestyle and most importantly your needs for now and the future.

We make sure that we take the time to get to know you and your circumstances so that we can fully understand and advise what kind of cover would be suitable.
We also appreciate that circumstances may change, which is why the service our advisers provide never ends, because we want to ensure that the cover you have is right for you, at every stage of your life.

So, if you are unsure Critical Illness Cover would be suitable for you or if you would simply like a bit more information, speak with a member of our friendly team today who will be happy to help.

Speak to us about Critical Illness Cover

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