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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Find answers to your most pressing questions about our protection planning services and process. 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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Embark on your path to a brighter financial future with a complimentary consultation at Fintegrity. Our dedicated team specialises in personalised financial planning that demystifies complex issues, enabling you to make confident decisions. We are committed to your success. Reach out to us today.

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Critical Illness Insurance offers you and your family invaluable protection during challenging times, allowing you to focus on recovery rather than financial stress. By providing a lump sum payment if you are diagnosed with a covered critical illness, this insurance ensures that your financial obligations, such as mortgage payments, childcare costs, or medical expenses, are taken care of even when you cannot work. This means you can access the necessary treatment and support without the added worry of how to manage your financial commitments. Choosing Critical Illness Insurance with Fintegrity means you are investing in peace of mind, knowing that you have a safety net in place to protect your loved ones and maintain your quality of life, no matter the uncertainties that may lie ahead.

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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 emphasise 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.

What Our Clients Say

Cath Addis 4 months ago

We have used Neil for pension and estate planning. He has always been very easy to talk to, explaining all the options very clearly. We couldn't be happier and trust him completely.

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Chris Boddice 5 months ago

Neil has been very helpful in reorganising my finances and has given me confidence that I am making the right choices. Great at explaining options and implications and at asking questions that make you think hard about what you really want. Recommended.

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Kay Cooper 7 months ago

Neil has been fantastic in helping me sort out a long-term financial plan. His knowledge and advice has allowed me to stop worrying about the future and actually make my money work harder for me. Highly recommend!

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Peter Niven 8 months ago

I am due to retire in August this year, plus I came into a substantial legacy from my late mother, so I needed financial advice. He has met me several times and prepared a financial plan for me. I have complete trust in Neil and that is, of course, vital when dealing with large sums to be invested for one's retirement. In addition, he is easy to deal with, and explains quite complicated issues clearly and carefully. Altogether, he is a pleasure to work with and have 'on one's side'.

I am so grateful for everything, Neil (including the ongoing advice and support).

Peter

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Rosamund Skinner 8 months ago

I was recommended to contact Neil Jenkins of Fintegrity IFA earlier this year, because I wanted financial advice and help to manage my financial affairs and my modest savings. I met with Neil twice and found him to be very friendly, approachable, professional and helpful. If I am honest I have little interest in finances but I do understand the need to make my money work for me, and Neil understood this and was very helpful. He listened to me and asked questions and made suggestions, then proposed a plan for my savings that met my requirements. He organised this for me very quickly and efficiently and continues to keep me updated. I feel I can trust him and know that he will respond if I have any queries.

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Janine Deakins 8 months ago

My husband and I needed some impartial financial advice with regard to investing some funds following retirement. Neil took the time to establish our plans for future financial outgoings and to assess the level of risk we were willing to engage with. He explained our options clearly and without any pressure to proceed. We found Neil to be professional, friendly and knowledgable in his field and were confident to go ahead with his recommendation.

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Henry Whelan 9 months ago

Neil was exceptional in helping me decide on life and illness insurance for me and my partner. He respected my specific needs and didn't stray from the brief. He was patient, knowledgeable, and ensured we got the right cover without overspending. Highly recommend!

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Greg Power 9 months ago

Neil has been extremely helpful on a variety of financial matters, providing an expert and personalised service. Would highly recommend.

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Megan Davidson 9 months ago

I was recommended Neil by my accountant to help me consolidate my multiple pensions and also give advise on where I would like to be when I retire.

To say the level of service is exceptional would be an understatement. Communication was clear and transparent all the way through with good help and advise and he was always quick to reply to emails or messages throughout the journey.

Would happily recommend to other businesses and people needed financial advice.

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Adam Willis 9 months ago

‘I contacted Neil due to changing and uncertain job prospects at age 60. After a working life spent mostly as a freelance artist I wanted advice on how best to employ what savings I had in the most flexible way possible. Neil looked into the details of the family assets and helped us to identify what our immediate financial worries were, and life goals we hoped to achieve in the future. We discussed levels of risk in investing and arrived at a level we were comfortable with. After that meeting Neil devised a financial plan based on those criteria. We agreed to go ahead and Neil implemented his recommendations on our behalf.’ Neil is a pleasure to deal with, has an easy and uncomplicated way of explaining the available options. Very happy to recommend!
- addendum after two years : Neil has helped with a couple of other changes that have occurred to our circumstances, and we are very happy to continue to take his advice on financial planning

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Expert financial planning advice is essential for securing your future in a world of financial change. Whether managing investments, planning for retirement, or providing financial security for your family, professional guidance can help you make informed decisions aligned with your goals, giving you the confidence to enjoy life, knowing your financial health is in capable hands.

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