Critical Illness Insurance

Protect your family’s financial well-being in the event of a critical illness by opting for Critical Illness coverage, either as an addition to your Life Insurance policy for an extra cost or as a separate standalone policy.
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You can select either a cash lump sum or a regular income if you are diagnosed with a specified critical illness and survive for at least 30 days as most insurers require following your diagnosis. You have the option to determine how your level of cover adjusts, whether it decreases annually in line with your mortgage, remains constant, or increases each year to keep pace with inflation. Additionally, you can choose from a variety of optional extra benefits to enhance your protection, such as coverage for children’s critical illness, fracture cover, or premium protection.
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Why Choose Fintegrity

Our services are designed to provide peace of mind and financial security for you and your loved ones.

Personalised Approach

We tailor our strategies to meet your unique financial situation and goals.

Experienced Advisors
Our dedicated team comprises highly skilled professionals with a wealth of experience in financial planning.
Proactive Planning
We emphasize innovative strategies designed to enhance your investment performance while effectively reducing the burden of taxes.
Transparent Communication

We ensure clear and straightforward communication, keeping you informed every step of the way.

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Ready to secure your financial future and protect your loved ones from unnecessary taxes? Contact Fintegrity IFA for a personalized consultation. Our experts are here to guide you through every step of the process.

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The information provided in these FAQs does not constitute professional financial advice. We strongly recommend that you consult a professional adviser before proceeding with a financial transaction.

What is critical illness insurance?
A critical illness insurance policy provides a one-time payment if you are diagnosed with a serious health condition such as a heart attack, stroke, or cancer.
What conditions are covered by critical illness?
Critical illness insurance provides a payout if you experience one of the specified medical conditions or injuries outlined in the policy document. At the outset, you can typically decide whether you prefer a one-time payout for the first event or a policy that may pay out multiple times if you face additional serious illnesses later on. The range of conditions covered can vary widely among insurers, but all policies generally include essential conditions such as stroke, heart attack, and cancer. Many insurers also offer more extensive coverage that includes a broader selection of health conditions, such as organ transplant, Parkinson’s disease, Alzheimer’s disease, Multiple Sclerosis, and head injury. Additionally, certain policies may provide a smaller payout for minor illnesses or if one of your children is diagnosed with a critical illness as specified in your policy.
Can I add critical illness to my life insurance policy?
Many life insurance providers offer the option to enhance your coverage by adding a critical illness benefit to your policy.
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What Our Client’s Say About Us

“Neil is knowledgable and also has the skills to transfer this knowledge through years of experience - diverse - but all within a financial setting. He was tolerant and patient and explained his actions in simple language that was easy to understand."

– Jenny

"Neil gave us great advice in an easy to understand way and was very friendly, professional and helpful. We have already recommended him to people we know."

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"He made sure the family were involved with the process and he was always on the other end of the phone. I spoke with other advisers about my plans but Neil was easily the one of my choice."

– Valerie

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I wanted to retire but needed to check it was viable and needed advice regarding drawdown, pension amalgamation, savings. Neil listed well, took time to write up a detailed assessment of my needs, risk preferences, options. I now feel confident about retiring. Neil confirmed the validity of some of the ideas I had, but also gave me alternative strategies I hadn't thought of, which made more sense.

Gill

Life was changing and, at age 60, my job prospects were uncertain. Neil helped us to identify what immediate financial worries we had, and life goals we wanted to achieve in the future. Neil asked us about what level of risk we were happy to engage in, and after that meeting devised a suggested plan based on the answers we gave. the immediate results have been positive; paying off the mortgage from my various pension pots, gathering them into a new managed portfolio have resulted in an immediate reduction in monthly outgoings and a sense of having more active control over my finances has given us peace of mind

Adam

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I was looking for guidance and support on where to invest my savings. Neil was super friendly, helpful and approachable and did a great job of explaining things in layman's terms!

Nicola

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As I had made a decision to take early retirement, he helped me to plan and set up a retirement fund. This all proceeded very efficiently. So far so good!

Nick

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Neil asked us thorough questions so that he had a very good understanding of our financial situation. He presented his findings to us in an easy to understand format and explained everything clearly. He offered very good advice and we felt confident that he was very knowledgeable in all areas that he helped us in. I felt that he was a safe pair of hands. He was easy to deal with, always responded quickly, and I found him very trustworthy and impartial.

Emily

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He talked me through the options after ascertaining my attitude to risk/reward and analysing my outgoings and plans for the future. Started in March 2021 and it seems to be going to plan.

Paul

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Neil Jenkins owner of Fintegrity

Contact Us Today

Ready to secure your financial future and protect your loved ones from unnecessary taxes? Contact Fintegrity IFA for a personalized consultation. Our experts are here to guide you through every step of the process.

0203 086 7043
hello@fintegrityifa.co.uk

The Workers’ League House, 44-50 Royal Parade Mews, Blackheath, London, SE3 0TN

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