Is this you?
You want a lump sum to reduce or clear the mortgage if you are diagnosed with a covered condition.
Your employer sick pay runs out after a few weeks or months.
You are the main earner and a long recovery would put the household under strain.
You want to pair a survival benefit with your existing life cover.
How Verion helps
We explain which conditions a policy covers and, just as importantly, which it does not.
We compare definitions and cover levels across providers on our panel, because the wording matters.
We match the sum to your mortgage and the costs a recovery would bring.
We look at combining it sensibly with life cover so you are not paying twice for the same need.
The process
Understand
We map your income, sick pay and what a period off work would cost you.
Compare definitions
We weigh the condition lists and claim definitions, not just the headline price.
Recommend
A clear recommendation with the cover level, the wording and the cost.
Apply and review
We manage underwriting and revisit the cover as your circumstances change.
Things worth knowing
Policies pay out only for the specific conditions and severities defined in the wording. Read that section carefully.
Older or cheaper policies often cover fewer conditions. The lowest premium is not always the best value.
Pre-existing conditions may be excluded or affect the premium. Full disclosure protects the claim.
Critical illness and income protection solve different problems. One pays a lump sum, the other replaces income.