Critical Illness Cover
- Supporting you with expert advice and top-quality products
- Working closely with you to understand your wants and needs, ensuring these align with your budget.
- Finding you the most suitable deal for now and in the future.
Please contact us for a no-obligation conversation with an adviser about the most suitable mortgage option for you.
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Nobody enjoys discussing or even thinking about what may happen should you become critically ill. Often these thoughts alone can cause anxiety and at Heron Financial we’re here to remove some of this worry with Critical Illness Cover. Paid in a lump sum should you become seriously ill, this level of cover is ideal when bought alongside life insurance. Ask us how we can help protect you, today.
Supporting you with numerous serious illnesses, we spend the time explaining how this level of cover will work specifically for you and your family. This is a tax-free payment to be made when you absolutely need it the most. Awarded in a lump sum, the alleviation of financial worry is invaluable during difficult times. Our advisors are available seven days a week to discuss your needs.
Depending upon your needs when speaking with us, some policies will pay out should your children become seriously ill. Again, invaluable cover when times are especially hard.
We’re Critical Illness Cover Experts
Every critical illness policy includes the main problems you may suffer from. Coronary artery bypass, major heart attack, kidney failure, organ transplant, stroke, multiple sclerosis and specific cancers are all accounted for. There are of course many more and we’ll make you aware of these throughout COVID friendly contact. We’ll happily discuss covering you and your children over Zoom, Teams, Skype and the telephone.
In 2019, the protection industry paid 98.3% of all claims ( ABI & GRiD, 20)
How Does Critical Illness Cover Work?
Should you find yourself in an unfortunate situation whereby critical illness is prevalent, you’re able to claim on your policy. The process involves your insurer assessing the circumstances who needs to ensure a diagnosis meets insurance criteria. When accepted you’ll receive payment directly.
At Heron Financial you’ll have direct access to policy documents through our bespoke online platform, Everglades. Designed and created specifically for you, our customer, we’re able to help provide the right level of cover throughout the COVID epidemic, digitally and securely.
Critical Illness Cover Terms
Sometimes confused with terminal illness cover, the two are very much different and it pays to be aware of this. A terminal illness policy will pay out when you’re specifically diagnosed with a terminal condition. Critical cover protects you should diagnosis be critical yet not terminal. Combining this type of policy with life insurance offers the potential to pay off a mortgage whilst also covering monthly outgoings.
Our insurance specialists are here to answer your questions and dissolve any common policy related misconceptions. We put the best interests of you and your family to the forefront of conversations resulting in high levels of bespoke critical illness cover.
Why Choose Us?
As dedicated mortgage and insurance experts, we’re able to deal with everything on your behalf. Because we avoid confusing questions, we’re able to find you the very best level of cover at a reasonable cost. If we said this could be achieved under four minutes would you challenge us? At Heron Financial there’s no hidden charges and this makes us trustworthy. We’re backed by over 550 excellent reviews on Trustpilot, so don’t just take our word for it. Make changes to your policy at any time, without hassle.
