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What would happen if you were so ill or so badly injured that you couldn’t go to work? What if you have a heart attack? What if you were diagnosed with cancer? Worse still, what if you were hit by a bus and died?
How then would you, or your loved ones be able to pay the mortgage and keep the roof over your head?
Unsurprisingly, these are things that nobody likes to think about, but it is so important that you do when you’re taking out a mortgage and even more so if you have people that are financially dependent on you.
In a world where 1 in 2 people will be diagnosed with cancer in their lifetime (Cancer Research UK) , we have to accept that the threat of critical illness is real and so we need to be prepared for it.
Fortunately, there are a wide range of options available to you to make sure that even if you fall on hard times, your home and your family’s security will always be looked after.
Life
Insurance
Pays out either a lump sum upon death, giving your dependants financial support after
Pays out either a lump sum upon death, giving your dependants financial support after you've gone.
+Pays out a lump sum if you’re diagnosed with one of the providers listed critical illnesses.
Pays out a lump sum if you’re diagnosed with one of the providers listed critical illnesses. These vary from one provider to the next, but the majority of claims from people who have strokes, heart attacks, and the biggest one is cancer.
+Income Protection
It’s a bit like having your own personal sick pay. It provides regular payments
It’s a bit like having your own personal sick pay. It provides regular payments that replace part of your income if you're unable to work due to illness or injury.
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