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The mortgage will be secured by a charge on the property of the customer.

Critical Illness Cover

Critical Illness Insurance is designed to pay a one-off lump sum to you directly if you are diagnosed with a critical illness from a specified list.

From the Impact on Our Physical and Mental Health to Affecting Our Ability to Work, the Ripple Effect of a Diagnosis is Felt Throughout Each Part of Our Lives.

This type of policy is designed to pay off one lump sum directly if you, or any family members listed on the policy, are ever diagnosed with a critical illness.

Although you can spend the money on whatever you like, this protection could help you to pay off any debts such as your mortgage, alterations to your property or even towards moving to a new property as a result of the illness. 

Who Would Benefit from Critical Illness Insurance?

Single People You Have No Other Financial Support 
Difficulty Saving If You Have Little to No Savings 
No Sick Pay Does Your Employer Provide Sick Pay? 
Parents Do You Provide for Your Family? 
Family History Does a Critical Illness Run in the Family?  

Critical Illness Cover Takes Away the Worries of Everyday Financial Stresses and Allows You to Focus on Recovery.

Even if your Employer provides sick pay, it is important to consider the possibility of the lifestyle changes that may follow a serious diagnosis. Sick pay may be able to cover your monthly outgoings but do you have the money to cover the costs if your home or vehicle need adapting?
Critical Illness Cover works by providing a tax-free lump sum when you are diagnosed with a critical illness, as determined by the Insurance Provider. Similarly to some other types of Life Assurance, if you are not diagnosed with one of the critical illnesses during the agreed term, you will not receive any payout or reimbursements for the monthly premiums. 
All Providers differ on the following:
  • Amount of Conditions Covered
  • Criteria for Claims Against the Most Claimed Upon Illnesses
  • Premiums
  • Ability for Cover to Keep Up with Inflation
  • Life Element Including or Additional Cost
  • Additional Benefits (Various)
  • Children’s Cover
  • Treatment of Existing Conditions and Exclusions 
Depending on your budget, and need, the Provider required could be different. The comprehensiveness is not always linked to premium and exclusions can apply with existing conditions but differ with each Provider.
With different eligibility criteria from each Provider and different levels of cover, our qualified Protection Advisers will offer the best advice on Critical Illness Cover and will be able to search through a range of Providers to find the best cover to suit your personal circumstances.

Let's Get Started.

Get in touch today to see how we can help.
0151 734 6777
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Please note for these insurance products terms and conditions apply. This information is a summary only. You will receive a full policy document upon application. This policy will set out the terms, conditions and limitations of cover provided under the plan.

Home Legal Services Liverpool LLP t/a Right Click Finance is an appointed representative of Primis Mortgage Network. Primis Mortgage Network is a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Buy to Let Mortgage.   

Registered in England OC399498.  Registered office address Prospect House Columbus Quay, Riverside Drive, Liverpool, England, L3 4DB

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers based in the UK.
Let's Get Started. Get in touch today to see how we can help. 0151 734 6777 Get Mortgage Advice

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