Advanced Mortgage Services Ltd is an appointed representative of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Advanced Mortgage Services is registered in England. Company registration number 4751565.

Cherry Tree House, 20 Inverleigh Road, Bournemouth, Dorset, BH6 5HA.

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David Hindmarch

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Critical Illness Insurance

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We’ve seen that survival rates for critical illnesses are improving which is great news, but life often changes dramatically after diagnosis. Not just emotionally, but financially too. Mortgage payments, council tax, childcare costs, food and utility bills are just some of the regular payments that still have to be made. There might even be extra things to pay for such as medication, or changes to the home. Sick pay from your employer might help, but only for a short period, and state benefits only offer a limited amount. Many people who are well enough to return to work can’t always work the same hours as before, so they could well experience a long-term drop in income. It would be nice to know there was a financial cushion to fall back on if this happened, to make life that little bit easier. It would mean you could concentrate on getting better.

This is where Critical Illness Cover can really help. Even a little bit is better than none at all. It would give you peace of mind that if the worst happened, you’d be covered.

Critical illness insurance pays out if you are diagnosed as suffering from one of the specified illnesses but you need to be aware that this will be based on meeting specific definitions. As an example, in the case of cancer, not all cancers or stages of cancer are covered. And for heart attacks, the insurer will need to have medical evidence of the severity of the condition before paying a claim.

Policy summaries will often set out a list of illnesses covered, but this is only a guide and full details will be in the policy document. This will also set out the criteria that have to be met before the insurer will pay a claim, including defining the level of severity of the illness.

The cost of Critical Illness cover will be determined by your age, medical history, if you are a smoker or a non-smoker, current health issues and family history. Some insurers exclude all pre-existing conditions but others will decide on the basis of your personal medical history.

Click Here for an example of Critical Illnesses.

How I Can Help?

After discussing in detail your requirements I can establish the cover you specifically require and the amount you can afford to pay for this cover. I can then research a large number of providers to make sure that they meet your needs and obtain quotes from each company. I would then provide you with a recommendation as to which company I feel provides you with the best cover at the lowest premium.

I can then help in the application process by guiding you through the required questions, ensuring that all relevant information is detailed and recorded. This is particularly important because any medical history which is not disclosed could invalidate a future claim.  

An insurer may require a general practitioners report or medical screening. If these have been requested I will then make sure they are chased regularly to avoid unnecessary delays.

I will also help you with setting up an appropriate trust which would make sure that the benefits from a claim go to the right people without delay.

If you would like to know more information regarding Critical Illness Insurance and to provide you with a personalised quotation Please Contact Me.

Critical Illness Insurance Advice Adviser Broker in Bournemouth, Christchurch, Poole, Highcliffe, New Milton, Lymington, Ringwood, Ferndown, Dorset and Hampshire.

The policy may not cover all definitions of a critical illness. For definitions of illnesses covered please refer to the Key Features and Policy Documents.

The plan 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.