Protect Your Family with the Right Critical Illness Insurance
Discover the cover available to protect you and your family in case of unexpected illness
Critical Illness Cover
What is Critical Illness Cover (CIC)?
Critical Illness Cover (CIC) is designed to provide financial support during one of life’s toughest challenges – a diagnosis of a serious or terminal illness. Many people don’t realise the financial impact a critical illness can have, from lost income to mounting loans or mortgage costs. This policy helps ensure that you and your loved ones aren’t left financially vulnerable during such difficult times.
When you make a claim, you’ll receive a lump sum payment that can be used to:
- Cover everyday expenses while you’re unable to work
- Pay off financial obligations, such as mortgages or loans
- Reduce the financial stress of living with a critical illness
- Provide your family with financial security if illness stops you from earning
Looking for guidance? Contact Fluent Money today to explore the range of policies available and find coverage tailored to your needs.
Why You Need Critical Illness Cover
Many people assume, “This won’t happen to me” or “I’m too young to worry about this.” But the reality is that critical illnesses can affect anyone, at any stage of life. The last thing you want is to be financially unprepared when faced with a serious illness. CIC provides peace of mind by ensuring you have the financial resources needed to focus on recovery rather than worrying about bills.
Common Myths About Critical Illness Cover
I’m young and healthy. I don’t need this
Serious illnesses don’t discriminate by age. The earlier you take out a policy, the more affordable it can be. Plus, having coverage in place now means you’re protected before health conditions arise that could increase your premium or make you ineligible for cover.
I’ve got life insurance, I’m covered
Life insurance pays out after death, but what about during your lifetime? CIC ensures financial stability while you’re alive and need the support most.
I’m worried it might be a bit too expensive
Prices depend on your circumstances, but what happens if a serious illness affects your income and brings unexpected costs?
What Type of Critical Illness Cover Is Available?
Stand alone CIC
Provides coverage specifically for serious illnesses and it can only be accessed during your lifetime, not after.
Life with CIC
Combines life insurance with critical illness coverage. It ensures the financial security is in place, in case of both serious illness and death.
Children’s CIC
Extend your CIC policy to include coverage for your children. Get in touch with Fluent Money to learn more about this option.
FAQs
In the event that you are diagnosed with a serious condition, it will likely mean you’ll be unable or that you won’t want to work whilst you recover. The financial payout upon your diagnosis will help you pay any financial commitments you have, such as a mortgage, or any new medical bills. Most policies we’d recommend provide peace of mind against common health conditions like a stroke, cancer or heart conditions and many more.
If you want to find out more about the illnesses covered in policies, get in touch.
Life insurance and critical illness cover are two different types of insurance. Insurance providers can sell you a combined package of both of these policies. However the difference between these two policies is dependent upon their purpose life insurance can only be claimed upon bereavement and never for critical illness. Both policies can give claimants a one off payment however this varies based on the policy.
When applying for critical illness cover, you will need:
- Information on your medical history, including any current or previous serious illnesses (some insurers might not let you claim for an illness you’re already diagnosed with)
- Your registered Doctor’s name and address
- Height and weight measurements
- Lifestyle information; this could include things like whether you’re a smoker or not
- Information on any medication you take, or any you have taken in the last 5 years
- Information on your existing policy (if applicable)
- Bank account details for the payment to be taken once your policy starts
There’s no set time limit on when life insurance claims will be paid out. The average time it takes is 30 – 60 days, depending on the situation.
Important information:
For insurance business we offer products from a range of insurers.
Protect Yourself and Your Family Today
Don’t wait until it’s too late. Secure financial peace of mind now. Get started with a free quote today.
Why Our Customers Recommend Fluent Money®
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This is the second time I have used Fluent and would definitely recommend them
The process was easy and everyone I have dealt with on both occasions were helpful, polite and efficient. Special thanks to Simon who virtually sorted out a remortgage in a very short space of time and Sam in the insurance dept who managed to get my partner insurance as we had several problems previously. I will not hesitate to contact them again but as they are super efficient they are likely to contact me nearer the time my mortgage needs renewing
I can’t recommend them enough
I have used Fluent for a few years now for mortgage and health insurance purposes. I can’t recommend them enough. I have just competed a remortgage and Thomas and Joseph were super helpful!
I have had a brilliant experience with Fluent Money
I have had a brilliant experience with Fluent Money and the insurance broker James was extremely helpful and experienced his advice and hard work trying to find a suitable insurance premium went above and beyond . Sorry for late review
Amazing service for Mortgage and Insurance!
We’ve recently remortgaged and also reviewed our life and critical illness / income protection insurance and the team at fluent went above and beyond for my family. Alex Townrow, Joseph Moralee, Sam Musk and Andrew Ramsdale were all incredible from start to finish. They reviewed what we needed and provided the best advice to get us the cover we needed for the best price. We’re eternally grateful for the Fluent team for the smooth transition to our new mortgage and insurance providers.
Fluent Mortgages were brilliant from start to finish
From getting the mortgage that was right for me and with advice on the right life insurance and building insurance …professional, friendly and helpful all the way through to completion…they made it so easy…very happy…thank you guys.
