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Financial support when you really need it

A critical illness can affect anyone at any time.

Critical illness cover provides a lump sum if you are diagnosed with a serious medical condition. Common conditions insurers cover under this type of protection include:

  • Serious forms of cancer
  • Multiple sclerosis
  • Parkinson’s disease
  • Heart attacks and other serious heart conditions
  • Stroke
  • Loss of sight, or loss of a limb
  • Major organ transplant
  • Alzheimer’s disease

Having a policy in place to provide financial stability can help you to relieve any financial pressures and focus on your recovery. If you have dependents that rely on your income, critical illness cover allows you to provide financial support when you are no longer able to work.

There are two ways you can take out critical illness insurance:

  • As a stand-alone policy
  • As an “add-on” with life insurance

Stand-alone critical illness cover typically doesn’t payout on death. This is why many people choose to combine it with a life insurance policy as this means you can protect your loved ones should the worst happen.

If you decide to add it to your life insurance, the policy will usually pay out on the “first event” and then end. So, if you die, the policy will pay the sum assured and end, or if you are diagnosed with a serious illness covered under the policy, it will pay out the sum assured and then end. This can then mean you don’t have any remaining life insurance which could still leave your loved ones in financial difficulty when you die, so you may wish to have the policies separate.

We can help you to find the right cover for your needs. We will search the market for you and find the right protection for your unique situation and budget.

Get in touch today to find out more.

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The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

@ 2020 by Fairview Financial

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A fee may be charged for mortgage advice. The exact amount will depend on your circumstances.

Our standard fee for mortgages is £395 and this is paid when the mortgage is offered. We charge a fee of £295 First-Time Buyers. Other fees may apply depending on the complexity of the work involved or loan amount. The maximum fee we can charge is £795.

Our standard fee for Equity Release is £895 and this is paid on completion.

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YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.

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EQUITY RELEASE: THIS IS A LIFETIME MORTGAGE. TO UNDERSTAND THE FEATURES AND RISKS, PLEASE ASK FOR A PERSONALISED ILLUSTRATION. CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT, SEEK INDEPENDENT ADVICE.


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