Insurance
Critical illness cover insurance
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Critical illness cover insurance insurance
There’s not a lot that can be predicted about a serious illness, and everything can change overnight. Not only does this impact your health, but it also impacts your income and your family. Thankfully, critical illness cover exists, and it’s designed to provide a financial safety net when you need it most. By paying out a tax-free lump sum if you’re diagnosed with a covered medical condition, critical illness cover gives your family one less thing to worry about.
At Everest Mortgages, we help you to navigate critical illness cover, guiding you through the level of cover you need and finding the policy that suits you best. This means you can focus on recovery and getting back on your feet, rather than worrying about money.
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What is critical illness cover?
Critical illness cover is designed to support you financially if you’re diagnosed with a major illness, as long as that illness is listed on your policy. There are a wide range of conditions that are often included in critical illness cover, such as cancer, heart attacks, strokes, multiple sclerosis, organ failure and serious neurological conditions.
If your diagnosis meets your insurer’s definition, you receive a lump sum payout that you can use however you need. You could use it to replace lost income, adapt your home or to keep your household finances on track while you recover. It’s similar to life insurance, but instead of paying out after death, it pays out while you’re still alive and dealing with a serious health challenge.
Who can get critical illness cover?
The eligibility criteria for critical illness cover is simple. In most cases, you only need to be over the age of 18, live in the UK and have a UK bank account. Many people assume they won’t qualify due to their health, their medical history or the belief that insurers rarely pay out. But, this isn’t usually the case. Critical illness cover policies are clearer and more flexible than ever, with plenty of options designed around individual needs and budgets.
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Do you need critical illness cover?
There’s nothing to say you have to get critical illness cover, and it’s certainly not compulsory. But, it is important for anyone who would struggle financially if they became too unwell to work.
A serious diagnosis can impact your finances quickly, but the payout from a critical illness policy can help to cover:
- Temporary or long-term loss of income
- Mortgage, rent or loan repayments
- School and childcare expenses
- Everyday household bills
- Private medical costs or specialist treatment
- Adjustments to your home or lifestyle
Instead of relying on savings or borrowing, the lump sum from a critical illness cover payout gives you the breathing space to focus on treatment and recovery, without financial pressure.
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Protect your financial future with critical illness cover
There’s no knowing what’s around the corner, but critical illness cover makes the future feel a little less daunting. Should you find yourself faced with a long-term or serious medical condition, critical illness cover is there to soften the financial blow. At Everest Mortgages, we’ll help you to secure critical illness cover that works for you, your family and your finances.
John Everest
Mortgage & Protection Adviser, Founder
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John is a CeMAP-qualified, whole-of-market mortgage adviser and Director of Everest Mortgage Services. With over 21 years in financial services, and a track record of 1,000+ mortgages arranged.
- 15-minute call, no commitment
- Whole-of-market, FCA regulated
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Why choose Everest Mortgages?
Independent protection advice that puts your family first, with cover built around your home, your health and your budget.
Cover that fits your life
Level or decreasing, single or joint. We match your cover to your mortgage, your family and what you actually need to protect.
We compare leading UK insurers
We aren't tied to any one provider, so we can compare policies across the market and recommend the right cover at the right price.
Help with medical conditions
A health condition doesn't have to mean higher premiums or a refusal. We know which insurers take a fairer view of your circumstances.
Policies written in trust
We help you put your policy in trust, so any payout can reach your loved ones quickly and may sit outside your estate for inheritance tax.
We handle the paperwork
From the application to underwriting questions, we deal with the insurer for you. We work around your schedule, evenings and weekends included.
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