Facing the Unexpected? Protect Your Family’s Future.

Critical Illness Insurance provides financial security when you need it most — helping you focus on recovery, not finances.

What is Critical Illness Insurance?

A critical illness can turn your world upside down. From unexpected diagnoses to time off work, it can place immense financial strain on you and your loved ones.

Critical Illness Insurance provides a tax-free lump sum payment if you’re diagnosed with a specific serious illness, such as:

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Cancer

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Heart attack

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Stroke

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Multiple sclerosis

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Organ failure

At Ellmira Financial, we help you find the right cover, so you can focus on recovery while we protect your financial wellbeing.

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Why is Critical Illness Cover Important?

In the UK, thousands of people are diagnosed with life-changing illnesses each year. The emotional toll is hard enough — but the financial impact can be overwhelming.

Critical Illness Insurance:

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Provides a lump sum payout to ease financial burdens.

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Helps cover medical bills and treatment costs.

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Secures your family’s lifestyle while you recover.

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Can be used for anything — from mortgage payments to childcare expenses.

Would your savings cover the cost of a serious illness? If not, Critical Illness Insurance offers invaluable peace of mind.

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What’s Included in Critical Illness Cover?

Critical Illness Insurance typically covers a wide range of serious conditions, including but not limited to:

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Cancer (various types)

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Heart attack and stroke

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Kidney failure

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Major organ transplants

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Multiple sclerosis

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Paralysis

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Loss of limbs or vision

Policies vary between providers, which is why working with Ellmira Financial ensures you get the cover that suits your needs.

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Is Income Protection Right for You?

Income Protection is ideal for:

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Salaried Employees:

Replace lost wages if sick pay runs out.

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Self-Employed Individuals:

No employer sick pay? Income Protection keeps your finances on track.

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Homeowners and Renters:

Ensure mortgage or rent payments are covered.

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Parents and Families:

Protect your family’s lifestyle and financial security.

If you rely on your income to maintain your household, Income Protection is a wise decision.

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Frequently Asked Questions

How much does Income Protection cost?

The cost depends on your age, health, cover amount, and deferral period. We’ll help you find an affordable policy that fits your needs.

How long will payments last?

Payments continue until you return to work, retire, or reach the end of your policy term — whichever comes first.

Can I get Income Protection if I’m self-employed?

Absolutely. Self-employed individuals benefit greatly from this cover as they don’t receive employer sick pay.

What’s the difference between Income Protection and Critical Illness Cover?

Income Protection pays regular income if you’re unable to work, while Critical Illness Cover provides a one-off payment if diagnosed with a specific illness.

Still Have Questions? Contact Us

Secure Your Income and Peace of Mind Today

Don’t let illness or injury impact your financial future. With Income Protection Insurance, you’ll have the support you need to focus on recovery without worrying about bills.

At Ellmira Financial, we’ll find the right policy for you — ensuring you and your family are protected.

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