03/06/2026
Could Your Family Be Left Unprotected by a Common Insurance Misconception?
Many people believe that if they have Terminal illness Cover, they are also protected for a critical illness diagnosis.
Unfortunately, this isn't the case.
We've recently spoken to clients who were surprised to learn that:
• Terminal Illness Cover is usually included within a life insurance policy and pays out when a doctor confirms a terminal illness meeting the policy definition.
• Critical Illness Cover pays a lump sum if you're diagnosed with a specified serious condition such as cancer, heart attack, stroke, multiple sclerosis, or other conditions listed in the policy.
• Having Life Insurance alone may not provide financial support if you survive a serious illness but are unable to work.
Why this matters
Imagine being diagnosed with a serious illness and facing:
✅ 💷 Loss of income
✅ 🏠 Mortgage or rent payments
✅ 👶Household bills and childcare costs
✅ 🚗🏥Additional medical or travel expenses
Critical Illness Cover can provide a tax-free lump sum to help ease the financial pressure while you focus on treatment and recovery.
Three questions to ask yourself:
1. If I couldn't work for 12 months due to a serious illness, how would I pay my bills?
2. Does my current policy include Critical Illness Cover or only Terminal Illness Cover?
3. Do I know what my policy actually covers?
Many policyholders haven't reviewed their protection arrangements in years and may not know exactly what they are covered for.
We're offering a complimentary protection review to help you understand your existing cover, identify any gaps, and ensure your family is properly protected.
👉📞Reply to [email protected] or contact us on 07399 872870 to arrange your review.
