Critical Illness Cover In Colchester, Essex

This policy can be combined with Life Insurance and is designed to pay out a lump sum if the policyholder dies or is diagnosed with a critical illness during the term of the policy. The illnesses covered will be long term, and as the name suggests – Critical.

The policy also provides cover for less severe conditions, these are called additional payments. Please see policy documents for more information on these.

When a claim is paid for a full payment condition, the policy ends and you won’t have to pay any more premiums.

Many policies will also cover your children part of your policy at no extra cost.

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    Why do I need Critical Illness Cover?

    Illness is indiscriminate. This policy can support you through the darkest days. Do we believe it is better to be safe than sorry? If you have a family to financially support, this insurance coverage could be worth the conversation with us. The proceeds of the policy can help to provide for your family, help pay off mortgages or loans or make adjustments to your home. If you were too, for example, to suffer a stroke or become permanently disabled.

    It could also help you to pay for necessary treatment should it be required. We are sure that you will agree that it’s important for you and your family to be financially secure should the main breadwinner become seriously ill or pass away.

    When do I need Critical Illness Cover?

    In case you don’t have the right savings to cover you and your family’s outgoings, this policy will help to support you. It’s important for you and your family to be financially secure and if you became seriously ill or disabled this will cover you. If you’re self-employed or your employers don’t offer you a financial package to cover a period of long term illness. Talk to our team here at Winstree Financial Services to find out all there is to know about Critical Illness Cover.

    Why have Critical Illness Cover?

    • If you have been diagnosed with a critical illness listed within the policy, your insurance will pay out a lump sum of cash
    • The cash is tax free
    • You can use this money to cover your mortgage, debts, rent or any home alterations which are necessary to support your illness
    • Look into the terms and conditions, but this policy will cover most critical illnesses
    • This policy is flexible to the policyholder, they can choose how they want to receive the money and the range of conditions which apply

    Disadvantages of Critical Illness Cover

    • There is a chance your illness might not be covered under the policy, which means you won’t receive the payout of the lump sum of cash
    • Age restrictions
    • Coverage varies with each policy, it’s important for you to bear this in mind
    • Some policies are very complex, it’s important you seek financial help to ensure you gain the most from this policy

    If you’re looking for a Critical Illness Cover or just need further information talk to our team today for a FREE full review of your protection requirements. We want to help you find the right financial solutions to suit you and your family. If you’re looking for a Critical Illness Cover or just need further information talk to our team today for a FREE full review of your protection requirements. We want to help you find the right financial solutions to suit you and your family.