Critical Illness Cover
Have you considered what would happen if you found that you had a critical illness and were unable to work – how would you pay your bills?
Embrace Mortgage Services, ems, offer Critical Illness Cover which is provided by Aviva. It is designed to pay out if you have an illness which meets the policy definition – some forms of cancer, a heart attack or a stroke. Taking out one of these policies will ease any money worries that you and your family might have, allowing you to recuperate.*
You can book an appointment with a ems Financial Consultant by filling in the form and receive a personal quote.
“Second Opinion” means that you can have access to a doctor’s second opinion via bestdoctors.co.uk.^
“Additional critical illness cover” will pay out a defined lump sum for conditions which are less severe. Your policy will continue after you make a claim – this ensures that you are still covered for other benefits. “Children’s benefit” will pay out a sum in any of the children covered by your policy are diagnosed with certain illnesses defined by the policy. Our consultants are able to give you a quote within minutes and also offer instant underwriting. Aviva have underwritten the policy and paid out 92.5% of all Critical Illness claims in 2015 which amounted to £303million.~
You have the choice of how the policy pays out:
Choose your cover – a lump sum or a regular monthly income - decreasing as you pay off your mortgage or increasing to reduce the impact of inflation.
Terms and conditions apply for all of our insurance products, information contained here is only a summary, the policy will supply you with full terms, conditions and limitations of the cover which is provided under the plan.
*Terms and conditions apply
^ “Second Opinion” is a non-contractual benefit of this product and can be withdrawn at any time.
Goodfellows is a trading name of GFEA Limited and is an introducer appointed representative of First Complete Ltd for purpose of the provision of advice in relation to mortgage and non investment insurance products. Mortgage and Protection advice is provided by LSLi Ltd t/a Embrace Mortgage Services, an appointed representative of First Complete Ltd. First Complete Ltd is authorised and regulated by the Financial Conduct Authority.