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Life and Critical Illness Insurance

Critical Illness Insurance for contractors

As a contractor, you won’t be able to avoid getting ill but you can certainly protect yourself and your family should the unfortunate event of critical illness arise.

In today’s society, we are more prone to heart attacks, cancer, strokes and other stress-related diseases. Avoidance is hard but protection is key. 

Falling ill means that those monthly bills soon add up. Not being able to pay your mortgage will become an added stress that, when you are ill, you will certainly want to avoid. That is why it is vital that you take out a level of cover to protect you from any such issue.

If you would like to know more about Life and Critical Illness Insurance please read our free guide

As a responsible broker, we feel we have a professional duty to help you financially plan for the unthinkable. Critical illness policies are able to work alongside your permanent health insurance, however, unlike permanent health insurance critical illness cover pays out in a lump sum.

How Will Life & Critical Illness Insurance Help? 

Your critical illness insurance will not only help you to pay your mortgage, outstanding debts or loans but will also help towards medical bills and treatment that you may need. There are enough worries without the added pressure of unnecessary ones. As a contractor, you can take the right measures to ensure that you are fully protected. 

life and critical illness insurance

Some Reasons to Review Your Existing Cover: 

  • Smoker Status 

Not only is quitting smoking good for your health (and your wallet) it’s great for your insurance, if you’ve stopped smoking or using nicotine products, premiums can potentially be halved. 

  • Diabetes Management 

If you suffer from diabetes, it’s worth noting that the way you manage your diabetes could change the premium you pay. There have been a number of diabetes-specific insurance products introduced in the last 3 years whereby premiums can come down the better controlled your diabetes is. 

  • Historical Changes 

Policies taken out prior to 2012, may be entitled to cheaper rates, despite now being older owing to the EU Gender Directive which came in meaning men and women were charged the same rates. Historically, men have paid more for life cover, and women have paid more for critical illness cover and income protection. 

A few Things to Consider When Looking at the Policy Required are: 

  • Affordability of Policy: Premiums will be ongoing and have to remain affordable for you to maintain the insurance. 
  • Cover Amount: You are able to choose the amount of cover over time if that is required – if your mortgage reduces – for example. 
  • Pay Out Terms: Do you require a lump sum or an annual amount to support the family 

Our team will talk you through any questions you may have regarding your insurance policy.

If you would like to enquire about life and critical illness insurance please request a callback below.

life and critical illness insurance









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    We respect your data

    We'll always treat your personal details with utmost care, and will never sell them to other companies.

    We'd like to send you updates about products and services, promotions, exclusive offers, news and events from CMME by email, SMS, phone and other electronic means. You can unsubscribe at any time by contacting us through email, telephone or post.