Critical Illness 

Critical illness protection can help provide for you and your family during a time of confusion and upheaval.

Sadly, critical illness can affect anybody, at any stage of their life. The effects of such a diagnosis can have a devastating impact, including the inability to keep on working.

While we understand it’s not the cheeriest of subjects to discuss, ensuring you’re properly covered for critical illness may bring peace of mind, knowing you have a financial ‘back up’ plan in place for you and your loved ones should the worst ever happen.

Typically, in the event of your diagnosis of a commonly-defined critical illness, you will be provided with a tax-free cash sum, or a regular monthly payment to help ease your financial burden.

Our friendly team of advisors will work with you, using their expertise to find a critical illness most suitable policy for your circumstances, cover requirements, and budget.

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Do I also need life insurance?

It is not a requirement but we can help you to save money with access to companies who offer tax benefits when taking a combined policy.

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How is it paid out?

At the time you take the policy out, you can choose your preferred payment method:

  • Fixed lump sum
  • Monthly payment
  • A decrease in line with your mortgage
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What does it cover?

Every company will state which critical illnesses it covers on a predetermined list. We can guide you to the optimum policy from our chosen Industry contacts.

Let us contact you

Simply complete the details above, and a member of our friendly team will call or email to arrange an appointment.

Important: Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £495.

What is the next step

Step 1

Life continually moves on and with that comes increased responsibility. Whether you are buying a home or starting a family, it is an exciting time but you must plan ahead now to ensure that if something goes wrong, you and your loved ones are fully protected.    

Step 2

Speak to our friendly team to discuss your needs. Simply book an appointment and we will advise you on the right level of cover. With whole of market access we will ensure you find the right products for your individual needs.

Step 3

Our expert team have a wealth of experience helping individuals and couples plan for their futures. Whether you are considering mortgages, life insurance or income protection we will find the right option for your circumstances protecting you for the future.

Ready to talk to a professional

Important: Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £495.

You cannot be sure this will affect you, but we can make sure you are fully protected if it does

Frequently asked questions

What types of illnesses are covered by critical illness cover?

There are many different conditions covered by critical illness policies based on severity which differs from provider and products available. Typical illnesses covered are cancer, heart attack, stroke, multiple sclerosis or Parkinson’s disease. As insurance specialists we will guide you on your specific needs and recommend the most appropriate cover for you.

Do I need to have a medical exam to qualify for critical illness cover?

In most cases, you won’t need a medical exam. When applying for life insurance the applications covers aspects of your medical history and lifestyle. The answers to the questions will determine whether the provider will wish to ask for any further information, including asking for a GP report or carrying out a medical examination. Should this be the case it is imperative that you are covered correctly on the applicable terms so that any claim is paid. In the event that further information is required any cost is covered by the provider.

Would anything stop me from having my critical illness application approved?

When applying for critical illness, the application covers aspects of your medical history and lifestyle. The answers to the questions will determine whether the provider will wish to ask for any further information, including asking for a GP report or carrying out a medical examination. When the information has been made available to the insurance provider, they will make a decision as to whether you are able to covered or any special terms applied.

Couldn’t find your answer? Ask a question

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About:
Chambers Financial Services Limited is an Appointed Representative of Quilter Mortgage Planning Limited which is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales No:08201095, Registered Address:Arlington House West Station Business Park, Spital Road, Maldon, England, CM9 6FF We normally charge a fee for mortgage advice, however this will be dependent on your circumstances. Our Typical fee is £499. Click here for more information. Internet Privacy Policy

Important:
Your home may be repossessed if you do not keep up repayments on a mortgage or any debt secured upon it. A fee of up to 1% of the mortgage amount may be charged depending on individual circumstances. A typical fee is £495.

The Financial Conduct Authority do not regulate buy to let mortgages.

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