Critical Illness Cover

Quite often you hear ‘it could never happen to me’ or ‘I’ll sort it out later’. Well the old maxim of “failing to plan is planning to fail” is no better suited to the ignoring of crucial decisions on protection.

What is it?

A Critical Illness plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. It is often ‘bolted on’ to a life assurance policy as an additional benefit but can also be a standalone plan.

 

Who is it for?

This type of plan is designed for those individuals or families whom want a lump sum if they are diagnosed with a serious illness. As an example of where this lump sum could be used is to repay a loan, mortgage, or perhaps pay for time off work. The lump sum could even be used to pay for any necessary alterations to your home.

The quality of cover and the illnesses covered can vary significantly between different providers. We can help you find the plan that best meets your requirements.

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Judith Atherton trading as The Mortgage People (Northwich) is authorised and regulated by the Financial Conduct Authority (Registered Number: 304246).

We may charge a fee for arranging your mortgage - typically this will be £350. We also offer a "fee only" option (typically £950) where we would refund any commission received from the lender to you. We will charge 50% of our fee at application and the balance when the mortgage offer is issued.

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