Critical Illness Cover Advice
Critical illness cover provides a tax-free lump sum if you're diagnosed with a serious medical condition listed in your policy such as cancer, heart attack, or stroke. This money can help cover your mortgage payments, household bills, treatment costs, or any financial support you may need while focusing on recovery.
At Grandi Mortgage Solutions, we offer clear, tailored advice on critical illness insurance to clients across Chinnor, Thame, and the wider Oxfordshire area.
How does critical illness insurance work?
✅ Choose the Right Level of Cover
You can take out critical illness cover as a standalone policy or as part of a life insurance plan. It pays out a lump sum if you’re diagnosed with a specified illness during the policy term.
✅ One-Time Payout on Diagnosis
If you’re diagnosed with a qualifying condition, your policy pays out once giving you the financial freedom to make important choices without worrying about money.
✅ Helps Protect Your Home & Lifestyle
The payout can be used for:
- Covering your mortgage repayments
- Paying for private treatment or adaptations to your home
- Replacing lost income while you recover
- Supporting your family during a difficult time
Why consider critical illness cover?
- Health issues can strike at any age and financial stress makes it harder to cope
- Gives you time and space to recover without rushing back to work
- Protects your home and lifestyle during uncertain times
- Complements life insurance for a more complete protection plan