Critical Illness Cover is something we are passionate about. Protection is crucial to safeguard against future uncertainties. We understand this isn’t a topic you want to dwell on, so we’ve made it easier for you!
You might have heard that Critical Illness Cover is too expensive or that insurers are unlikely to pay out. However, we have various solutions to address these concerns. We work within your budget to find a policy that suits your needs and only collaborate with insurers who genuinely support you.
Or perhaps you think you don’t need it because you are too young or don’t have a mortgage? But have you considered how you would manage financially with an income that might be affected, potentially for the rest of your life?
How does the process work?
First, we can send you a list of conditions for each insurer to clarify what you’ll be covered for. This ensures everything is clear and straightforward. Secondly, we’ll simplify any medical jargon that might be confusing. We’ll explain how insurers might decline applications, exclude certain conditions, or increase premiums based on your medical history. This is why disclosing accurate information about your health is crucial when applying for cover.
Options
If you are seeking cover, chat with us directly. We can conduct the research for you and present several options, including different levels of affordability. You’ll be actively involved in the decision-making process, receiving bespoke advice tailored to your needs.
Even if you might not qualify for Critical Illness Cover, we can explore alternative options such as life cover or cover for your children or pregnancies.
Real-life scenarios
You might have heard about insurers not paying out, but this is usually due to non-disclosure or failure to meet policy definitions. We’ll assist you in ensuring this doesn’t happen, as in reality, insurers pay most claims. Only a small percentage are rejected, and always for valid reasons.
Moreover, you don’t need to have a terminal illness to make a claim. For example, did you know you can claim for conditions like having skin cancer removed? Even a hospital stay can be covered!
Critical Illness Cover addresses the living side of life. You do not need to be dying to benefit from a payout.
Our role as advisers is to help you understand the ins and outs of Critical Illness Cover to protect you and your family. Contact us today to discuss your options!
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Source: https://protectionguru.co.uk/how-to-handle-client-objections-to-critical-illness-cover/