Searching for an honest and trustworthy critical illness plan can often be a lengthy and daunting process. With so many companies to choose from, budgets to work with and boxes to tick, choosing the right company is essential if you or a family member is diagnosed with an illness.
Critical illness cover is designed to pay out a fixed amount of money if you’re diagnosed with one or more illnesses or conditions on the insurer’s list. This money could be used to support your family if you’re unable to work, pay for specialist medical care or simply spend as you see fit.
Critical illness cover is usually purchased alongside life insurance, where the policy either pays out on diagnosis of a critical illness or upon death (whichever should occur first).
You choose how much cover you would like to pay out if you’re diagnosed with a critical illness. This is known as the ‘sum assured’. You also choose how long you’d like to be covered for. This is referred to as the ‘term’ of the policy.
The amount you pay to the insurer each month for your cover is largely determined by the sum assured, the term of the policy as well as your age, health and lifestyle (including whether or not you smoke).
If you stop paying your monthly premiums, your cover will stop and you won’t receive any money back.
If you or a family member are looking for the best critical illness cover, please contact us today on 0800 368 9671 where one of our team can help you obtain the best plan for you.
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If you are happy with our service then what are you waiting for? Let your friends and family know about us. For every person recommended who takes a policy we will give £50 Marks & Spencers vouchers as a thank you.
Manor Financial is a trading name of Manor Financial Advice Ltd. Manor Financial Advice Ltd is authorised and regulated by the Financial Conduct Authority under registration number 810808. The company is incorporated in England and Wales (no. 07728991)
You will receive £50 Marks & Spencers vouchers once their policy has been completed and in place for a minimum of 6 months.