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Critical Illness Insurance


Critical illness insurance which is also known as serious illness cover; protects individuals from unexpected loss of income through serious illness. The types of illnesses covered by this insurance are: heart conditions such as stroke and heart attacks, multiple sclerosis, many stages and forms of cancer, permanent and total disability, and many more. Typically; a one-off, tax free lump sum is paid out to the insured person if they become critically ill with any of the pre-specified conditions covered in the policy. The insurance payment can help with mortgage, rent and other debts, and also the money can be used to adapt a home if a policy holder becomes disabled due to illness. If you have concerns about maintaining your standard of living should you fall critically ill, please contact a Marchwood IFA protection insurance expert today. We can explain how critical illness insurance works, and what level of cover you might need.

Put your concerns to bed, contact us in confidence today…


How we consult with you

Critical illness insurance begins and ends with you. We will ask you about your financial goals. How you want to live both now and in your retirement; your future plans, and your cash flow requirements. By considering your current financial arrangements; salaries, existing pensions, assets, savings and investments and lifestyle we can help you create a long-term financial plan to help you cover your current needs and maintain your future lifestyle in the event of you having a serious illness. The new critical illness policy will outline in plain English, what you would receive should you fall critically ill.

Once you have started your policy, we will then put in place a structured review process. This involves regular updates to check that your policy is still taking you in the right direction and that your life-stage needs have not changed. We will automatically update your policy allowing for any major life changes such as; marriage, divorce, the birth of a grandchild, or a change of income.

Ours is a personal service. We keep you informed and respond immediately to any questions that you may have about your policies, or the wider economic environment. We are always on the end of a phone and will respond speedily to emails. Ultimately; we want to put you at the helm of your financial plan, safe in the knowledge that we are keeping things ship-shape for you. We will make sure that we catch the life events that can change financial circumstances. At all times we will tailor the service that we provide to your personal requirements.

Miss Douglas, Chichester

If you are looking for access to the whole marketplace, attention to detail, confidentiality and a professional and personal approach, then I have no hesitation in recommending Hamish and other members of his team as your one-stop financial support team.

How we charge

Our approach for each client is bespoke. We are independent-minded and clear thinking. We consider the broadest possible range of financial planning options to meet our clients’ needs and also to adapt to changing market conditions. At the start of the consultation process we will provide a breakdown of costs that relate to the financial planning advice and services that we provide.

We encourage an open dialogue with all of our clients. We want to develop a clear understanding of financial aspirations so that we can build a plan that suits our clients’ exact requirements.

We will talk you through our charges prior to giving any advice, or services that could incur a cost. We charge variable fees for the advice and services that we provide. We offer alternative ways to pay; on presentation of an invoice, or monthly.