Background

Female - Aged 49 - Employed - No dependants.

Our client approached us back in 2020 to secure some Income Protection.

However, this was not possible at the time due to her circumstances, so our adviser thought outside the box, and discussed, that as an interim measure, we may look to secure some other options. Following discussions, we settled on some Life Cover with Fracture Plan attached and some Critical Illness Cover, enabling at least some circumstances to be covered.

This would help to provide a better package of measures along with her limited Sick Pay & a Private Health Care Plan via her employer.

Event

Cancer Diagnosis & Treatment 2022.

Outcome

Given the clients diagnosis she used her Private Health Care to obtain treatment swiftly and we supported her in the critical illness claim process with Zurich, ensuring it was dealt with as swiftly as possible. Successful claim was made and paid out.

Had the discussion not taken place about securing other cover, while Income Protection was not possible, it would have meant our client purely relying on her provisions with work.
Having addressed the cover we did, our client secured a lump sum of funds to give financial security while treatment was taking place and during the recovery period.

Benefit Paid

£40,000 approx.