Critical illness cover

A helping hand

Looking out for our own health is essential, and that doesn’t just stop with finances. Taking out a Critical Illness policy is a great way of knowing you and your loved ones are secure, should you become ill.

What is critical illness cover?

Critical Illness cover is an insurance policy which you pay a monthly premium from when the policy is taken out. Then, if you are diagnosed with one of the health conditions named on the policy, a tax-free lump sum will be paid to you to give financial stability while you are on the mend.

Our clients usually choose to take this type of policy out in order to keep themselves or their family afloat should they find themselves out of work due to an illness. If you’re looking for a critical illness policy, come and speak to us about what plan works for you, or get a quick quote now.

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Types of insurance

We offer four different types of insurance to help you protect the things that mean the most:

  • Life insurance
  • Critical Illness
  • Income Protection
  • Mortgage Protection

At Simplicity, you can choose one type of cover or, if necessary, combine others for a more comprehensive and secure plan.

Find out more about our other types of cover.

Life insurance

Life insurance is a popular choice of policy to ensure your loved ones are taken care of when you die. At Simplicity, we have a number of life insurance policies that are available to you.

Income protection

Finding yourself out of work can create problems for you and your loved ones. Income Protection cover can soften financial hardships in the event of you becoming unable to work.

Mortgage protection

Making sure you have a roof over your head is a priority. With this cover, you can ensure your home is always protected. Mortgage Protection policies will pay of your mortgage in the event of your death.

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Why choose Simplicity?

Finances can often be complicated, but it doesn’t have to be.

We appreciate that approaching the task of buying insurance policies can be daunting. There can be a lot of moving parts to contend with, and dates, numbers and fine print can
begin to cloud the bigger picture. That is why we are here to help you keep things simple.

Always fair

Simplicity are not tied to providers, meaning we are able to explore all options that are available when dealing with your policy. This way we can select the best options for you.

Always in touch

When you start your cover, you join the Simplicity family. We pride ourselves on being reachable should you have any questions or queries about any other financial products.

Always thinking ahead

The financial sector changes all the time, and that is why we automatically review your policies every 12 months. This ensures that you are always on the best plan you can be.

Always simple

Like our name implies, we don’t make things complicated. This company is built on keeping our services simple for our clients; keeping our process easy and your options as clear as possible.

Buy with confidence

Whether you are searching for insurance or a mortgage provider, we know that buying with confidence is key. That’s why at Simplicity, we are committed to providing every one of our clients with face-to-face guidance and first-rate services. Ready to start?

FAQ

Can I add Critical Illness Cover to my plan?

Yes, you can. This is a popular option for many of our clients as it provides an extra degree of security for yourself and your loved ones. In fact, most plans nowadays come with critical illness cover built in, and Simplicity can combine multiple policies into your plan to give you the complete cover you want.

What constitutes critical illness?

There are usually a distinct list of conditions which would result in the policy paying out. This can change occasionally, so we feel it’s best to speak to you in person about them.

Can I change my insurance plan if my circumstances change?

Of course. We know that life doesn’t function on a single wave. That’s why, at Simplicity, we automatically review your policy every 12 months. This way you don’t have to worry about your plan being best suited for your changing circumstances. If your situation changes, we are here to tailor your plan for you.

What is the difference between level and decreasing life insurance?

Each of these life insurances refer to the term agreed upon when you buy the policy. 

Level term: a policy designed around a fixed period. If you die within this period, the policy will pay out.

Decreasing term: this type of policy refers to when the insurance term decreases over time.

How much life insurance cover do I need?

Quite simply, it is entirely down to you. We are here to provide you with as much cover as you feel you need to keep yourself and your loved ones secure. Feel free to come and speak to us about your options.

How often do I need to review my life insurance?

We will automatically check up on our clients’ policies every year, so we if there is a better rate we will inform you. Of course, if you wish to review your policies at any time, we’ll be happy to.

Get a Quote

To find out what Simplicity can do for you, we would love for you to get in touch. Also, you can get a quick quote here.