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Critical Illness 

Advice on Critical Illness
Suffering a critical illness and surviving such a traumatic event can change your life and have a devastating effect. Critical illness insurance either on it’s own or as part of a life insurance policy provides a lump sum when the policyholder is diagnosed with one of the illnesses on a predetermined list. This lump sum can be used however you wish. It can be used to relinquish the burden of paying the mortgage and bills from your family whilst you are unable to work or allow you to seek alternative methods of treatment. We are experienced in analysing the market to help guide you to the most suitable product that suits your individual requirements. We are here to listen to your needs, offer advice and secure the right policy for you. 
What is Critical Illness Insurance? 
Critical Illness Insurance pays out a lumps sum cash payment to the policyholder should they be diagnosed with one of the specified illnesses on a predetermined list as part of an insurance policy. 
Types of cover available: 
Standalone Critical Illness Insurance – This type of policy will pay out a lump sum if you get a serious illness listed in the policy. 
Combined Life Insurance & Critical Illness Insurance – This type of policy will pay out a lump sum if you die or get a critical illness. This option is more affordable than two separate policies but here is usually only one payment so if you receive a pay out for a critical illness then the life insurance cover will cease. 
Mortgage Protection (Decreasing Term) – This policy will pay a sum to cover your mortgage should you die or get a critical illness. 
Fixed or Reviewable Policies: 
Fixed Insurance Policies – These types of policies allow you to fix the  

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amount of premium you pay every month. Whilst they can be more 
expensive in the short term, the payments will not increase over time. The younger you are when you take out one of these policies, the cheaper the premium. 
Reviewable Insurance Policies – The initial costs tend to be lower with these types of policies and they can be reviewed after a period of time, usually every five years. The cost of the premiums can rise over time. 
Critical illness insurance must cover cancer, heart attack and stroke as a minimum – although the exact number and type of other illnesses covered will depend on the particular policy. 

Town & Country Financial Advisers – Critical Illness 

With so much to consider it’s vital that you get professional advice. We research the market when looking at Critical Illness policies to ensure you get the best product suited to your needs. At Town & Country Financial Advisers we can provide you with the best advice to help you make the right decision. We will find you a provider who will give you the peace of mind and cover you need to ensure you and your family are protected in the event of critical illness. 
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