Critical Illness cover
Nobody enjoys discussing or even thinking about what may happen should you become critically ill. Often these thoughts alone can cause anxiety and at aph 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.
What is Critical Illness protection?
Critical illness cover pays a tax-free lump sum if you’re diagnosed with a serious illness specified in your policy, such as cancer, heart attack, or stroke. It helps cover medical costs, mortgage payments, and living expenses during recovery when you can’t work. Premiums vary based on age, health, coverage amount, and conditions covered.
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 our contact. We’ll happily discuss covering you and your children over Zoom, Teams, Skype and the telephone.
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.
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Solve your mortgage and protection needs by getting in touch with aph financial.
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What Our Clients Say
I recently worked with Bianca from APH, and I was very happy with the service I received. From the very first consultation, she took the time to explain all my options clearly, answered every question with patience, and made the process feel smooth and manageable. She was always there to hold my hand when I had questions!
ruth chamberlain
I’ve recently used APH for my first mortgage. James was my advisor and he was excellent from the start. He explained all the mortgage options really clearly, which made me feel assured I was choosing the right one for me. He had also researched and then explained different protection insurances, that I had not even considered before, and arranged for all these to be put in place for completion. I cannot thank James enough!
Harry Race
Bianca had been absolutely amazing from start to finish I can’t recommend her highly enough! She has been helpful and provided an amazing service, everything was professional and any queries were sorted quickly and made me feel valued.
Would Definately recommend to anyone!
Sarah x
I have used APH for both my first mortgage and my recent remortgage. I have also taken out life insurance and income protection cover with the help of James.
James has been very thorough with talking me through various options both with my remortgage and insurance cover. He explained things very well and I knew I was in safe hands with him. I will most definitely continue to use APH in the future as they make the whole process straightforward and stress free!