Critical
Illness Cover

Critical Illness Cover

Use our FREE insurance service to make sure you, your family, and your home are fully protected. We’ll advise you which policies are right for your situation, and we have access to all providers, meaning we can find a deal that suits your needs perfectly. We also arrange your policy for you quickly and easily – and we do all this completely free of charge!

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"I can’t say anything but amazing things about the MU team in Frimley. Mark, Denise, Liam & Mitchell took care of my every need and I’m not just talking about arranging the mortgage. As a first time buyer I had no idea that I needed to consider things like content insurance & health insurance and on top of this I was struggling to find a solicitor that I felt I could trust at a reasonable price. The MU team helped me arrange it all and I appreciate so much the time and effort that saved me not having to do it myself. Their personable approach comes across in their office, over the phone and in every email correspondence and I could not recommend their services enough!!!"

Laura Allen

"Joe was great, both Emma and myself would like to thank him for his help, guidance and great communication. As first time buyers it was a pretty daunting prospect, we really appreciated Joe helping and explaining things in language that we could understand."

Pete & Emma

"We had a great experience with Michael Usher Mortgage Services. Paisley was very very helpful. Answered all questions we had being first time buyers and also kept up in the loop. Highly recommend! Highly proactive and professional. low rate. Will use their services again. Thank you for all your help!"

Lucy Anderson

Michael Usher Mortgage Services was recommended to us by a colleague, as first time buyers we were keen to use a mortgage advisor, but especially one we could trust. They were great from start to finish, no question was too much to answer and they were great at explaining the whole process. We had the pleasure of dealing with Mitch, he was absolutely fantastic. I can't thank Denise enough also for recommending an amazing solicitor, and keeping us updated constantly without the need to chase. Amazing experience from start to finish, would recommend them to anyone! Thank you.

Lorna Twyford

What is Critical Illness Cover?

Accidents, illness and injury is a part of life. If your family’s main breadwinner was unable to work due to a critical illness, how would you cope financially?

Critical Illness Cover can provide your family with financial stability in case you lose income due to an illness. This can include conditions such as cancer, heart attack, stroke, or disabilities. Usually, a policy will cover between 50-100 specific conditions.

Having financial security during an illness or injury can make all the difference. A payout can be used to fund treatment, reduce your mortgage, or even to pay for a holiday to aid recovery!

What does Critical Illness Cover provide?

Critical Illness Cover has some similarities to Income Protection Insurance but also many differences. Your advisor will be able to help you decide which one is appropriate for your situation.

Critical Illness Cover provides your family with financial stability should a working family member become critically ill or injured.
The policyholder is usually covered for between 50-100 conditions, depending on how comprehensive the policy is.
The money is paid out as a tax-free lump sum, to help with treatment and recovery costs as well as mortgage and other expenses.

Types of Critical Illness Cover

Traditional Cover

Traditional Critical Illness cover is an all-or-nothing type of insurance. If you get diagnosed with one of the conditions covered in the policy then you receive the full, fixed payout –and then your policy ends.

Severity Based Cover

Severity Based Cover is a more flexible version of Critical Illness insurance. In the event of a claim, the policy will pay out at different levels depending on how severe the condition is.

These policies have some advantages:

They usually cover a wider range of conditions.
Payouts can be received during the early stages of an illness.
They allow for multiple claims on the same policy.
Many providers will also cover any days spent in hospital.

Who Needs Critical Illness Cover ?

Accidents, illnesses, and injuries can happen to any of us. If you have children or a partner who depends on your income, this cover can protect them. It can also protect you. You may need expensive treatment and rehabilitation, so this cover can help you get back on your feet.

Our service is FREE!

If Critical Illness Cover is right for you, we’ll help you find a deal that suits your needs perfectly and offers great value for money. We have access to all providers and can arrange the policy on your behalf, and we’re duty-bound to give you the right advice for your situation.

Our service is completely free of charge – so let’s get you, your home, and your family protected!