Don’t wait until it’s too late!

We never think a critical illness is going to happen to us, especially when we feel fit and healthy, but it can and it does and often when you least expect it.

If the worst does happen it’s important to ensure you have the best financial cover to protect you against the impact a critical illness could have on you and your family. Ask yourself these questions…

• How will you cope if you become ill or disabled and you have no other savings to depend on?
• What is you have a family that depends on you and your savings?
• How does it work when you are a single parent and you become seriously ill, what how will your children cope?

In some workplaces, you may be entitled to a form of sick pay. However. This usually runs out after a month or two, and then you find yourself with no financial protection. If you’re eligible, welfare benefits may range from £70 to £100 a week, depending on your circumstances, but even then could you survive? If you need extra cover, why not consider critical illness cover. Here’s what it covers and why you may need it.

Should the worst happen, Critical Illness Insurance gives you a tax-free one off payment, to help cover all your financial needs. For example, your mortgage, rent, debts or pay for alterations in you home, such as wheelchair access should you need it.

Provided you keep paying your premiums, you are covered. Once the policy term ends, all protection stops. When you take out a policy, you decide how long it will last you. Do you pay until your children grow up? Do you pay until the mortgage is paid off?

Critical illness insurance pays out if you get one of the specific medical conditions, or injuries, that are listed in your insurance policy. The illnesses covered will be included, as well as the severity needed before a pay out is offered. Examples of critical illnesses that may be covered by a policy include stroke, heart attack, certain types and stages of cancer, multiple sclerosis.

Don’t wait until it’s too late!

Steve Allen Insurance can secure you the best CI insurance cover to suit your requirements.

If you would like more information call us now on 0161 766 1927 for a free consultation, or you can visit our website www.stevealleninsurance.com