David Nicholls Associates David Nicholls Associates David Nicholls Associates

Critical Illness

picture for the CIC area

Because we are protection experts and have a great deal of experience, we place great value on your health and we understand the worry that health concerns cause in everyday life.

Having a sudden illness that is critical to your life can cause huge upheaval and this can be avoided with a critical illness insurance policy. This is paid out should you suffer an illness that is severe such as cancer, heart attacks or stroke for example.

Can you imagine the implication to your life if suddenly you are struck down with an ilness that mean your income is affected. You may not be able to work for a long time or ever again meaning that the steady flow of income that pays for some or all of the things you or your family depends on will effect how you live your life.

A critical illness policy can provide you with either a lump sum that can cover things like mortgage repayments, professional outside care, paying the normal bills etc or a steady cash flow depending upon your choice.

Each provider is different & their critical illness features are different. We will provide the right advice depending your needs.

Here at David Nicholls Associates, we can design the right cover for you and your needs and all within a budget that’s suitable for you.

If you have a certain illness or health issue, don’t worry, call us or email us and we’ll see which insurance provider is suitable and flexible to that particular issue. People with Diabetes for example think its hard to obtain insurance, this is false. As long as your readings are controlled, we can help.

The policy may not cover all definitions of a critical illness. For definitions please refer to the Key Features and Policy Documents. The plan will have no cash in value at any time, and will cease at the end of the term. If premiums are not maintained, then cover will lapse.

Nicholls Financial Services limited trading as David Nicholls Associates