Critical illness cover pays out a lump sum on diagnosis of any one of a range of specified illnesses giving you the peace of mind of knowing that while you are incapacitated, probably having treatment and unable to work, you haven’t got to worry about your finances at this already stressful time.

This type of protection can be to protect your mortgage, or just a smaller amount to give you that breathing space. The top claim areas for this type of insurance are cancer, heart attack and stroke. Some policies can also cover children (may be subject to additional costs) and could give peace of mind for parents.

Over the years, these policies have improved greatly. Whereas some policies used to cover just a handful of critical illnesses, there are now some providers who cover over 100. This is why your protection should be reviewed regularly.

At Higham Critchley Barrows, we will talk to you about your options, and recommend the policy most suitable for you. So if you have no protection, or want us to review your current policies, contact one of our advisers.

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