CLIENT STORY: It pays to remember WHY you have critical illness cover

Critical Illness Cover [definition] Critical Illness Cover pays out when the worst happens and you’re diagnosed with a serious illness such as cancer or stroke.

At the age of 37, one of our clients received the worst news. She had been diagnosed with thyroid cancer. The worst diagnosis you could ever receive. Sadly, there are 980 cases of cancer diagnosed every day*.

Thankfully, our client made a full recovery. She returned to good health and went eventually back to work. Even though she had critical illness cover in place, she did not make a claim.

This all happened 10 years ago.

Now in 2017, during a review of her life insurance, our client told our Life Protection specialist Julia all about this. Julia questioned why our client had never claimed. She replied, she never thought to as the cancer had been removed and she had fully recovered.

Julia advised to get in contact with her insurer. The payments you make every month to your insurer is in case something like this happens. Our client then proceeded to complete a claim form and send over her medical details. The insurer reviewed what she sent, and paid her over £40,000!

This was money she was due. The point of having critical illness cover in place is to help ease recovery if the worst was to happen. The money paid out can be used for care and treatment, recuperation, or make up for lost income.

We cannot emphasise enough how important it is to review your protection policies. If you haven’t reviewed in a number of years, or if you even think you may be due a claim – please don’t hesitate to get in contact with us. Call 01224 316200 or fill in our online enquiry form.

Source: *Cancer Research UK,, accessed March 2017.

Lifetime Finance Group Limited trading as Aberdeen Mortgage Company is an appointed representative of PRIMIS Mortgage Network, a trading name of First Complete Limited, which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products. The Financial Conduct Authority does not regulate some forms of Buy to Let. Lifetime Finance Group Limited.