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It’s important to think about critical illness cover

Whether you’re about to buy your first home or already have a mortgage, you may not have considered what would happen to your house if you were to became seriously ill. Perhaps you have a large amount of savings to fall back on, a partner who would be able to financially support you or some kind of protection through an employee benefits scheme? If not, you will have to rely on state benefits of between £70 and £100 per week which could result in you not being able to meet your mortgage payments and ultimately losing your home.

A long term insurance, critical illness cover provides you with a tax free one-off payment (to use as you need) if you are affected by one of the specific medical conditions or injuries listed in the policy. You are unlikely be covered for any current health problems.

All critical illness policies cover heart attack, stroke and cancer of a certain level of severity, however cover for other conditions may vary depending on the policy so you’ll need to check to see what’s included. You’ll also need to look at how severe a condition would have to be before you get a payout and consider the level of cover you will need.

The Mortgage Hut can help you

To find out more about the various critical illness policies available and what would be right for you, just request a free appointment from The Mortgage Hut - it can take less than 10 minutes to look at your details and provide you with some options. There are also a number of other insurance products you may wish to consider such as life insurance, income protection and mortgage payment protection. Come and visit The Mortgage Hut at one of our branches throughout Hampshire and South East for advice on Mortgages and Insurance products.