Critical Illness Cover gives you a lump sum of money if you get diagnosed with a serious illness. It doesn’t have to be a terminal illness, and there are so many illnesses covered.

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You may have heard that the cover isn’t paid out. This couldn’t be further from the truth. Most of the stats that we get from insurance companies are in the 90% range for pay-outs. The only true reasons that they wouldn’t pay out are if the full detail wasn’t given to them at application stage. It is important to go through your application with someone who understands all of the questions.

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Is it Expensive? 

Yes, as you have a higher chance of having to claim on the policy. However, there are ways in which we can make your cover a little cheaper, but it all depends on what level of cover you would require and how soon you’d want the cover to be paid out. As an experienced Mortgage & Protection Broker, I am able to provide multiple cover policies from a range of providers where we would go through each one and see which one you would benefit the most.

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How often should people be reviewing it?

Every time something changes is a really good time to review things. A new house, new mortgage, children coming along. The market does change as well, so we’re always happy to review people’s cover.