Critical Illness

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Critical illness insurance pays out when one of the specified critical illnesses occurs. For example, following a heart attack, stroke, cancer or some other specifically defined critical illness.

Cover is for a set term, which may be equal to a mortgage term, or for when children have grown up, until retirement, or until another life stage milestone is achieved. It may be worth considering having one policy for a set term to cover the mortgage and another that will provide money to help provide for your different lifestyle if a serious illness happens.

Most people choose a lump sum to be paid out. There is the option of receiving the payout as a set income over the term remaining, which is often a lower-cost option.

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IF THE POLICY HAS NO INVESTMENT ELEMENT THEN IT 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.

THE POLICY MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. FOR DEFINITIONS PLEASE REFER TO THE KEY FEATURES AND POLICY DOCUMENT.

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I can’t say enough good things about my experiences with Claire Hogg Mortgages and Protection Company!!! We have had assistance from Claire and the team across multiple properties for a number of years and from start to finish, the team have always been knowledgeable, responsive, and genuinely invested in helping us secure the best mortgage for our situation. They explain every step clearly, answer all our questions promptly, and have made the entire process smooth and stress-free. I highly recommend them to anyone looking for a trustworthy and reliable mortgage partner, there’s absolutely no need to look any further! 
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    Claire Hogg Mortgages & Protection Ltd is an appointed representative of Quilter Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority.

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