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Critical Illness Cover

Critical Illness Insurance – Protect Your Future, Secure Your Peace of Mind

Life is unpredictable. While we all hope for the best, serious illnesses can arise when we least expect them. Critical illness insurance provides a financial safety net, offering support if you’re diagnosed with a life-threatening condition. At SMG Mortgages, we help you find the right policy so you can focus on recovery without financial worry.

What Is Critical Illness Insurance?

Critical illness insurance provides a lump sum payout if you are diagnosed with a specified serious illness such as cancer, heart attack, or stroke. This payout can be used for:

  • Covering medical bills and treatment costs
  • Replacing lost income if you’re unable to work
  • Paying off outstanding debts, including your mortgage
  • Covering daily living expenses while you focus on recovery

Why Consider Critical Illness Insurance?

Even if you’re in good health today, an unexpected illness can impact your ability to work and meet financial commitments. This insurance provides:

  • Financial security – Reduces the financial burden if illness prevents you from working.
  • Coverage for serious conditions – Policies typically cover major illnesses such as cancer, heart attacks, strokes, and more.
  • Peace of mind – Knowing you’re covered allows you to focus on your recovery rather than worrying about money.
  • Support for additional costs – Helps with unexpected expenses such as home modifications, private medical care, or specialist treatments.

What Conditions Are Covered?

Coverage varies between providers, but most policies include:

  • Cancer (certain types, depending on severity)
  • Heart attack
  • Stroke
  • Kidney failure
  • Multiple sclerosis
  • Parkinson’s disease
  • Major organ transplants
  • Blindness or loss of speech

Some policies also cover additional conditions, so it’s important to review your policy’s details to ensure it meets your needs.

How Does Critical Illness Insurance Work?

Once diagnosed with a covered condition, you receive a one-time lump sum payment. This can be used however you choose, such as:

  • Paying for medical treatments not covered by the NHS or private healthcare
  • Replacing lost income while you’re unable to work
  • Paying off or reducing mortgage and debt repayments
  • Making home or lifestyle adaptations (e.g., wheelchair access, home care)
  • Covering everyday expenses such as bills, groceries, and childcare

How Much Cover Do You Need?

The level of cover required depends on factors such as:

  • Your current income and essential expenses
  • Any outstanding debts, including mortgage and loans
  • Your savings and financial safety net
  • Your family’s financial needs, especially if you are the primary earner
  • Existing employee benefits that may provide some level of cover

A good guideline is to choose a policy that replaces a significant portion of your income for the expected duration of illness and recovery.

Why Choose SMG Mortgages?

At SMG Mortgages, we work with leading insurance providers to help you find a policy that suits your needs and budget. We offer:

  • Expert Advice – We explain policy details, exclusions, and options so you can make an informed decision.
  • Tailored Coverage – Whether you need basic protection or comprehensive cover, we help you find the right plan.
  • Competitive Pricing – We compare policies to ensure you get the best value.
  • Ongoing Support – From choosing a policy to making a claim, we’re with you every step of the way.

Get Protected Today

Don’t leave your future to chance—secure your income, health, and peace of mind with critical illness insurance. Let our experts help you choose the right policy so you and your loved ones are financially protected.

📞 Contact SMG Mortgages today to discuss your options.