Critical Illness

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Critical illness insurance pays out when one of the specified critical illnesses occurs. For example, following a heart attack, stroke, cancer or some other specifically defined critical illness.

Cover is for a set term, which may be equal to a mortgage term, or for when children have grown up, until retirement, or until another life stage milestone is achieved. It may be worth considering having one policy for a set term to cover the mortgage and another that will provide money to help provide for your different lifestyle if a serious illness happens.

Most people choose a lump sum to be paid out. There is the option of receiving the payout as a set income over the term remaining, which is often a lower-cost option.

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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.
THE VALUE OF THE INVESTMENT CAN GO DOWN AS WELL AS UP AND YOU MAY NOT GET BACK AS MUCH AS YOU PUT IN.

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…..Importantly, we want to say thank you so, so much for everything you did for us. This is truly our dream house and it wouldn’t have been possible without you going the extra mile to make things happen. We are forever grateful (truly). We hope you and your family are well in these times and if you are ever near Kent, please let us know as we would love to get together. In the meantime stay safe and thank you so much again. All the best, A. Price

A. Price

….can't wait to get the keys! This wouldn't have been possible without your help in finding the right mortgage for us, and your precious advice over the past very difficult months. You made our life much easier, in what has been a long complicated process for us. Miss P

Miss P

Thanks for the amazing service you've provided us with, constant reassurance above and beyond your remit surely, all the cajoling and reading between the lines with BDM's to fight our case and secure this mortgage for us which will be a lifesaver.

Thanks again, J. Jackson

J. Jackson

Paul provided an excellent service in finding me the right mortgage, and I would like to thank him for all the help and advice he gave me in such a professional and personable way.  I would highly recommend Paul's services to others

Mrs W

Paul Harris was informative, helpful and prompt in responding to all my queries throughout my dealings with him. He was friendly and easy to talk to whilst remaining professional at all times. I recommend him.

Anne H.

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