WHAT IS IT? bills and mortgage covered. job, income, and budget. some policies pay to retirement. mployed – vital if you don’t get sick pay. Emma is 40 with a £200,000 mortgage. She takes out critical illness cover for £100,000. At 45, she’s diagnosed with cancer and can’t work for 18 months. Her policy pays £100,000 — enough to keep up mortgage payments and cover household costs during treatment. EXAMPLE OVERED! OVERED! RE THE TYPES OF COVER, WHY IT IS IMPORTANT AND KEY BENEFITS RE THE TYPES OF COVER, WHY IT IS IMPORTANT AND KEY BENEFITS uk/protection CRITICAL ILLNESS Pays a tax-free lump sum if you're diagnosed with a serious condition like cancer, heart attack, or stroke — as listed in your policy. WHY IS IT IMPORTANT? Illness can stop work for months or years. Helps cover mortgage, bills, and medical costs. Gives you choices — reduce hours, adapt your home, or focus on recovery. HOW DOES IT WORK? Choose your cover amount. If diagnosed with a covered condition, make a claim. Get a lump sum to use your way. KEY BENEFITS Financial support when you need it most. Can be combined with life cover. Lets you focus on getting better, not money. Tailored to your family and finances. ION thly tax-free income if illness or keeps money coming in until you e policy ends. Your safety net when n you’re off sick. s just £116.75/week — not enough for ur income so you can keep your n recovery. ur income to protect (usually up to horter wait = higher premium) before or 26 weeks). tops you working. nts until you’re back or the policy ends. She becomes ill and can’t work for 9 atutory Sick Pay of £116.75/week. With nth tax-free (60% of her income). l, not worrying about money. rt-term. pensive.” n be tailored to your budget with flexible cover options.
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