Protecting your Mortgage and your Family
There are two sides to life cover: if you die or if you are very ill. The first is covered with Life Insurance, the second by Critical Illness Cover; often these products are arranged together.
Whatever your family circumstances, a serious illness can prevent you from working and the bills still need to be paid. Fortunately survival rates are increasing, but 91% of cancer patients suffer financial problems following diagnosis.*
It’s so important to get the right advice because it’s vital to understand what is covered and how the insurance will help you in the event of a family catastrophe. It’s not just about protecting the home but your family and standard of living now and in the future. Many people don’t understand the pitfalls of simple ‘off the shelf’ policies which don’t always require full medical history at the outset. These products are often found to be unsuitable when a claim is made and registered.
We will help
If the worst happens and you need to make a claim, the last thing you need to be worrying about is paperwork. We will help you and hopefully take some of the pressure away from you or your family.
* Cancer cost report Macmillan, August 2008. Not all cancers are covered under critical illness plans.