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Life is full of uncertainties, making critical illness insurance a valuable safeguard.

Protecting yourself and your loved ones should be a priority. Ask yourself: if life takes an unexpected turn, will you be ready?

With critical illness insurance, you can ensure that answer is “yes.” If you’d like to discuss a policy tailored to your needs, feel free to schedule a call with us.

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The Risks of Not Having Critical Illness Insurance

Without critical illness coverage, a serious health diagnosis could lead to significant financial hardship. Medical expenses and frequent appointments, combined with a potential loss of income, can quickly deplete your savings. In the worst-case scenario, you might be at risk of losing your home if you cannot keep up with payments.

Key Considerations for Choosing Critical Illness Insurance

  • Affordability: Statistics show that claims on critical illness policies are more frequent than those on life insurance, which often makes premiums higher. It’s vital to select a policy that remains affordable throughout the term.
  • Definitions: Insurers differ in how they define “critical illness.” Reviewing these definitions carefully with your advisor ensures you fully understand the extent of your coverage.
  • Claims Process: Ideally, you’ll never need to make a claim, but life is unpredictable. Should the time come, having an advisor guide you through the claims process can alleviate much of the stress during an already difficult period.

Frequently asked questions

If you would like to find out more about our flexible insurance for tenants, please call us on 01706 823 131

Critical illness insurance provides a tax-free lump sum payment if you’re diagnosed with a severe illness specified in your policy. Unlike traditional health insurance, which covers only specific medical expenses, critical illness insurance places no restrictions on how you use your pay out.

A wide range of serious conditions qualify as critical illnesses under most policies. These often include types of cancer, heart attacks, strokes, kidney failure, major organ transplants, paralysis, and multiple sclerosis. However, it’s important to understand that each insurer has unique terms and conditions. To find a policy that suits both your medical needs and budget, consulting an advisor is highly recommended.

This insurance provides crucial financial support when you’re facing a health crisis, allowing you to prioritise your recovery without the added stress of managing mortgage payments or other financial obligations. Given the high costs of medical treatment and the potential loss of income from being unable to work, critical illness insurance can be a lifesaver. Above all, it offers peace of mind, knowing you and your loved ones are protected.

Several factors affect the cost of critical illness insurance, including age, health status, gender, occupation, and lifestyle choices, such as whether you smoke. The level of coverage you select also influences your premium. Generally, the earlier you secure critical illness coverage, the lower your premiums will be.

Just as buying a home is a major decision, so is investing in critical illness insurance. While it’s a sensible option for many, it’s especially beneficial for those with a family history of severe illnesses, inadequate health insurance, or significant financial responsibilities, like a mortgage or dependents.

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Brilliant experience from the start over 10 years ago when I started renting to the present when with all their help I completed the house sale Everyone I spoke to was helpful and professional with Niall being a absolute star and kept me up to date with all communications

Ian Guffogg August 1, 2024

A huge shout out and thank you to Melanie and Niall at Lifestyle Sales and Lettings who have just helped us to sell our office building in Bury. They were so hands on, helpful, proactive and kept us fully informed of interest levels and viewings. I can’t thank them enough for everything they’ve done. We had previously put the sale in the hands of a larger estate agent! The service was nowhere near the same level and nothing materialised. If you want an estate who cares, and is actually working for you proactively – then you need to get in touch with the team at Lifestyle. Gill & Eric Arnott

Gill Arnott June 24, 2024
joanne herbert March 7, 2024

A big Thankyou to Melanie, and Henry! Even though my move took much longer than expected(through no fault of Lifestyle altogether) Thanks to Henry. Everything went as smooth as it possibly could, I was always reassured about any issues I had and he went above and beyond to make sure I was taken care of. Would definitely recommend

Dylan Proctor March 4, 2023

Me and my partner have recently moved out and Lifestyle lettings were absolutely amazing and efficient! We were helped along the way by Henry at every step who was amazing and I can’t recommend highly enough . The customer service here is second to none and i would urge anyone to try and get sorted moving with Lifestyle lettings. Thank you so much, Andy x

Andrew Rafferty March 1, 2023

Great team and brilliant customer service! Everyone was helpful and any issues with the property were quickly sorted out. Recommended!!

Max Dickinson February 24, 2023

Highly recommend this company. Melanie and her team are brilliant - genuinely nice people. Henry has dealt with letting out our property and from the very first phone call, he has been very professional and knowledgeable. He has made the whole letting experience fairly stress free - excellent communication skills - phone/face to face/emails.

Shirley A February 21, 2023

Big thanks to Henry going above and beyond for me, great responsive service

Ross Hand February 6, 2023
adolf chingono November 14, 2022

Lifestyle Sales and Lettings don't stop to surprise me, from the initial engagement to the continuous communication for maintenance and liaising with the landlord. They quickly answer all our queries and conduct themselves to the highest professional standards I have had the pleasure to deal with any Letting agency. Each of their outstanding staff that I have had the opportunity to speak with are exceedingly kind and helpful, from the receptionist to the Letting coordinators, from the sales agent to the maintenance team. Please keep being as good as you are.

Martin Armando Tejada Rodriguez November 2, 2022

Holding ourselves to the highest standard