04/06/2026
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.
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.
If I couldn't work for 12 months due to a serious illness, how would I pay my bills?
Does my current policy include Critical Illness Cover or only Terminal Illness Cover?
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.
YOUR HOME (OR PROPERTY) MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.
A FEE MAY BE CHARGED FOR MORTGAGE ADVICE. THE EXACT AMOUNT WILL DEPEND ON YOUR CIRCUMSTANCES
KAD Mortgages is a trading style of The Right Broker Limited, an appointed representative of The Right Mortgage Limited, which is authorised and regulated by the Financial Conduct Authority. The Right Broker Limited is registered in England and Wales no: 09656290. Registered address: St Johns Court, 70 St Johns Close, Knowle, Solihull, B93 0NH.
