01
Understand what is covered
Critical illness policies pay for illnesses that meet the policy's definitions. They do not cover every diagnosis or every level of severity. Reading the key features and policy wording is essential.
Protection
Critical illness cover
Critical illness cover advice.
A specified serious illness can affect your income, home and family plans. We help you understand critical illness cover and how it could fit alongside your existing protection.
If the policy has no investment element then it will have no cash in value at any time and will cease at the end of the term. If premiums are not maintained, then cover will lapse. The policy may not cover all the definitions of a critical illness. For definitions please refer to the key features and policy document.
02
Choose cover around your commitments
You may want to consider mortgage commitments, household costs or the financial effect of a changed lifestyle. We can discuss the amount, term and form of benefit in the context of your circumstances.
03
See the whole protection picture
Life insurance, income protection and critical illness cover have different purposes. We help you understand the differences and consider existing cover before deciding what may be needed.
Useful for our first conversation
- Your mortgage and household commitments
- Existing life or critical illness policies
- Workplace benefits and savings
- The term and premium budget you are considering
A brief outline is enough for your initial enquiry. Please do not send identity documents or sensitive medical information through the contact form.
Your questions
Will any cancer, heart attack or stroke automatically qualify?
No. A claim must meet the definitions and conditions in the policy. Your adviser can explain the relevant wording.
Does this replace income protection?
The products have different purposes and payment arrangements. We can help you consider them together rather than assume one replaces the other.
Read more before you decide
Talk through your next step.
Contact the Winwell team in Winchmore Hill.