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Critical Illness

Critical Illnesses are sadly more common than you may realise. In the UK;

 

 

- 50% of people born after 1960 will develop a form of Cancer in their life[3]

- Every 7 minutes someone in the UK has a Heart Attack  [4]

-  1.2 Million people are living with the after effects of a Stroke [4]

- Usually diagnosed age 20-40 Multiple Sclerosis effects 100'000 people [5]

 

We can advise you on the Critical Illness policies available in the market. 

Different provider's benefits vary massively, the main differences are

 

  • How many conditions are covered and their definitions*
  • How much cover you get
  • What severity of the conditions you will and will not be paid on
  • If lesser conditions and severity's will be paid at reduced rates
  • If children are covered free on the policy and for how much
  • If Total Permanent Disability is Covered and to what severity

* All companies cover at least the ABI (Association of British Insurers) minimum definition. However some companies expand on this minimum criteria with ABI+ definitions (some by far more than others).

 

The most important thing is that you are covered when you need it most. Therefore the cheapest option is not necessarily the best option. Contact us now to discuss your circumstances and requirements, then we will can help you make an informed decision. A decision that could make all the difference to Your World.

 

Source

3 Cancer Research UK - updated December 2016 (http://www.cancerresearchuk.org/health-professional/cancer-statistics/risk/lifetime-risk)

4 Heart UK charity - December 2016 (https://heartuk.org.uk/press/press-kit/key-facts-figures)

5 MS Society - December 2016 (https://www.mstrust.org.uk/understanding-ms/what-ms/introduction-ms)

Critical illness Cover pays a tax-free lump sum on diagnosis of any one
of a list of serious illnesses – including many types of cancer, heart attacks and stroke.

 

Claims statistics suggest you are five times more likely to suffer from one of these
than you are to die before you reach 65.

 

The good news is that medical advances mean more people than ever are surviving conditions that might have killed earlier generations. For example, over 90% of men diagnosed with testicular cancer are still alive five years later, while over 80% of women diagnosed with breast cancer have the same survival rate, according to the Office for National Statistics.

 

If you were to suffer a covered Critical illness the tax free lump sum is yours to do with as you please. You could use the cash to allow you to pursue a less
stressful lifestyle whilst you recover from the illness, use it to fund specialist medical care or drugs, take a family holiday of a life time or for any other purpose.

Do I need Critical Illness Cover ?

 

Many people initially ask 'why do I need Critical illness cover', others think 'It won't happen to me'.  All over the internet, in the newspapers and in every community we can all see that anyone can be affected by Critical Illnesses.

 

We believe everybody should carry some critical illness cover as it is impossible to tell who will and who will not suffer some kind of Critical illness at some point in their lives. Just think about your own friends, family, co-workers and acquaintances - it doesn't take much time thinking to remember someone who has been diagnosed with some form of cancer, suffered a heart attack or another Critical Illness. On top of the people we know, we often hear in the media and on the news of celebrities suffering from various conditions.

 

 

So it has to be better to have this kind of cover and never need it rather than need it and not have it !

 

Call us or fill out the contact form and we will be happy to discuss your options.

Get in touch

For a no obligation FREE consultation call:

 

01843 838 230

 

07782 168211

 

Or use our simple online contact form.

The FCA registration number of

‘Your World Financial Services’ is 600934.

This information can be verified at www.fca.org.uk/register

or by contacting the FCA on 0800 111 6768.

Write to us

Your World Financial Services

2 The Square  
Birchington

KENT CT7 9AB

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© Your World Financial Services. Company registered in England and Wales- 8408392
Registered with the FCA - 600934 Your World Financial Services Limited is an appointed representative of Personal Touch Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority. *Your World Financial Services Ltd acts as a credit broker not a lender