Paul Smith IFA

  Honister Partners Ltd.

  Telephone: 0845 013 6680

  Mobile: 07968 365575

  Email: paul.smith@honisterpartners.com

  Independent Financial Advisers

Critical Illness Cover

Critical Illness cover is taken out to pay benefits when things look at their bleakest. You may need additional funds to modify your house for a wheelchair, for specialist medical expenses, or merely for peace of mind. A typical Critical Illness policy will pay a lump sum upon diagnosis of an insured condition. You need to survive the condition for a specified period of time, e.g. two weeks. Your recovery has no bearing on the claim: you could be back at work the next day!

Because the likelihood of an insured person suffering such a condition is far higher than the risk of his premature death, premiums are significantly higher than the equivalent cover for life insurance only. The choices as to term, increasing and decreasing policies, are as for life insurance policies.

The difficulty for consumers choosing  a critical illness policy is that each insurer's list of covered conditions differs from the others'. That is where your Honister Partners adviser can assist. With our in-depth knowledge of the industry, we can recommend the best combination of policy and premium for your personal circumstances.

For more information or advice, click here:  

Honister Partners Ltd is an appointed representative of Sage Financial Services Ltd, which is authorised and regulated by the Financial Services Authority. Sage Financial Services Ltd is entered on the FSA register (www.fsa.gov.uk/register) under reference 150452.

The information and content of this website is intended for UK consumers only and is subject to the UK regulatory regime. The FSA do not regulate some forms of mortgages.

Honister Partners Ltd. -  Registered Office: 1 Nicholas Road, London W11 4AN. Registered in England and Wales No. 06923303.

The FSA do not regulate some forms of mortgages.

The material in this site is subject to the UK regulatory regime, and as such is primarily aimed at UK consumers. Neither Paul Smith, Honister Partners Ltd. nor the site owner Financial Elite Limited is responsible for the accuracy or content of any information contained on websites linked from this site, nor for errors or omissions which may occur within this site. 

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