The great news is we are all living longer and surviving major illness. However, as we read every day, the Government no longer provides adequate support for you when you are ill and unable to work. Often you will recover from even a serious illness over a year or so, but can you keep up with the bills during this time? You don’t want to lose your home you have worked hard for, or have the extra financial stress, when a simple critical illness policy could have helped you. Critical illness cover will provide a lump sum that you could use to pay off your mortgage if you were to suffer from one of the illnesses covered by the policy (for example some forms of cancer, heart attack or stroke). This lump sum would also help you and your family if you found yourselves short of money during your illness and give you some time to recover. Different insurance companies have different definitions of what illnesses they will cover. Some policies have cheaper premiums but cover fewer illnesses. Other policies cover a wider range of illness and have a slightly higher premium. It is very important that you seek guidance from us to make sure you have the correct critical illness cover.