Critical Illness…
Protect your family if life takes an unexpected turn... Critical illness cover gives you and your loved ones breathing space if the unthinkable happens so you can focus on recovery, not finances.
Critical Illness…
Protect your family if life takes an unexpected turn... Critical illness cover gives you and your loved ones breathing space if the unthinkable happens so you can focus on recovery, not finances.
Why Critical Illness Cover Matters…
- Life can change in a heartbeat. A diagnosis doesn’t just affect health it impacts income, stability, and family life.
- Critical illness cover provides a lump sum if you’re diagnosed with a serious illness, giving you the space to pay bills, cover childcare, or simply take time to rest without worrying about money.
- This is about more than protection. It’s about peace of mind for your family, when they need it most.
Why Critical Illness Cover Matters…
- Life can change in a heartbeat. A diagnosis doesn’t just affect health it impacts income, stability, and family life.
- Critical illness cover provides a lump sum if you’re diagnosed with a serious illness, giving you the space to pay bills, cover childcare, or simply take time to rest without worrying about money.
- This is about more than protection. It’s about peace of mind for your family, when they need it most.
Joe’s Story…
In 2013, my husband was diagnosed with cancer…
Just days earlier, he had been given a critical illness policy, but he hadn’t signed it. That one missing signature meant no payout, no safety net, and no financial breathing room during the hardest time of our lives.
Joe’s experience taught us how vital it is to have protection in place before illness strikes. It’s one of the reasons he became passionate about encouraging other families to get covered and one of the reasons we do this work today.
Joe’s Story
Just days earlier, he had been given a critical illness policy, but he hadn’t signed it. That one missing signature meant no payout, no safety net, and no financial breathing room during the hardest time of our lives.
Joe’s experience taught us how vital it is to have protection in place before illness strikes. It’s one of the reasons he became passionate about encouraging other families to get covered and one of the reasons we do this work today.
Three Simple Steps
To protect your family…
1. Complete a quick form
Just a few simple questions that will help us begin to understand your family’s needs.
2. Chat with us
We will talk through your options and help you choose the right cover for your family.
3. Get covered & Relax
Once everything’s set up, you can relax knowing your loved ones are protected.
When we review your Legacy360, we look at:
Critical illness cover is one part of our Legacy360 approach, a complete way of protecting your family. We’ll review your existing cover, make sure nothing’s missing, and build a plan that’s not only protective, but tax-efficient and growth-focused.
Policies: are they still relevant and are they set up correctly?
Protection: Is your family and financial security fully covered?
Premiums: are you paying the right amount or being overcharged?
Investments & Growth: Are your policies supporting your long-term goals effectively?
When we review your Legacy360, we look at:
Critical illness cover is one part of our Legacy360 approach, a complete way of protecting your family. We’ll review your existing cover, make sure nothing’s missing, and build a plan that’s not only protective, but tax-efficient and growth-focused.
Policies
are they still relevant and are they set up correctly?
Investments & Growth:
are your policies supporting your long-term goals effectively?
Premiums:
are you paying the right amount or being overcharged?
Critical Illness Insurance FAQ’s
What is critical illness cover?
Critical illness cover pays out a lump sum if you’re diagnosed with a serious medical condition listed in your policy. It’s designed to give you and your family financial breathing space so you can focus on recovery, not bills.
How much does critical illness cover cost?
The cost depends on your age, health, lifestyle, and the amount of cover you choose. Policies can start from a few pounds a month, making it accessible for most families. The goal is to provide protection without straining your budget.
Which illnesses are covered?
Cover typically includes major conditions such as cancer, heart attack, stroke, and other serious illnesses defined in your policy. Each plan differs, so it’s important to review the terms carefully to know what’s included.
Does it replace life insurance?
No. Critical illness cover complements life insurance. While life insurance protects your loved ones if you pass away, critical illness cover gives you financial support if you survive a serious condition and need time to recover.
Can I get a payout more than once?
Some plans offer multi-pay or partial payouts for different conditions. This means you could receive more than one payout if you’re diagnosed with separate illnesses covered by your policy.
Do I need critical illness cover if I’m healthy?
Yes. The idea is to plan ahead. Getting covered early often means lower premiums and ensures you and your family are protected if something unexpected happens.
How do I choose the right policy for me?
Start by thinking about your health history, family situation, and financial needs. An expert review can help you find a policy that balances coverage and cost while giving you peace of mind.
Giving back…
Every Legacy360 plan goes beyond your own family
One month’s premium from every policy is donated to the Joe Thompson Foundation, supporting families, wellness, and education projects that continue Joe’s mission.
One simple, FREE conversation today can protect every part of your family’s tomorrow. Legacy360 makes sure nothing is left to chance, and every detail of your legacy is secure.
Critical Illness Insurance FAQ’s
What is critical illness cover?
Critical illness cover pays out a lump sum if you’re diagnosed with a serious medical condition listed in your policy. It’s designed to give you and your family financial breathing space so you can focus on recovery, not bills.
How much does critical illness cover cost?
The cost depends on your age, health, lifestyle, and the amount of cover you choose. Policies can start from a few pounds a month, making it accessible for most families. The goal is to provide protection without straining your budget.
Which illnesses are covered?
Cover typically includes major conditions such as cancer, heart attack, stroke, and other serious illnesses defined in your policy. Each plan differs, so it’s important to review the terms carefully to know what’s included.
Does it replace life insurance?
No. Critical illness cover complements life insurance. While life insurance protects your loved ones if you pass away, critical illness cover gives you financial support if you survive a serious condition and need time to recover.
Can I get a payout more than once?
Some plans offer multi-pay or partial payouts for different conditions. This means you could receive more than one payout if you’re diagnosed with separate illnesses covered by your policy.
Do I need critical illness cover if I’m healthy?
Yes. The idea is to plan ahead. Getting covered early often means lower premiums and ensures you and your family are protected if something unexpected happens.
How do I choose the right policy for me?
Start by thinking about your health history, family situation, and financial needs. An expert review can help you find a policy that balances coverage and cost while giving you peace of mind.
Giving back…
Every policy we arrange gives back. One month’s premium from your cover will be donated to the Joe Thompson Foundation, supporting families and communities with the same love and resilience Joe carried throughout his life.
This isn’t just paperwork.
This is love. This is a legacy. This is your lasting promise!
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