How would you pay your mortgage and bills if you were unable to work?
Many of us neglect to protect the income stream that pays the mortgage and funds our lifestyle, yet illness could affect us at any time… That’s why it’s important to have adequate protection in place to cover the mortgage and day-to-day living expenses, should a main wage earner be unable to work due to serious illness.

Who is it for?
A Critical Illness policy is designed for individuals or families who want a cash lump sum if they are diagnosed with a serious illness. This lump sum could be used to repay a mortgage, loan or perhaps cover your living expenses during your time off work. The lump sum could even be used to pay for any necessary alterations to your home.

Get Protected Through Harris Begley!
There are a multitude of protection plans available to cover varying circumstances and Harris Begley can advise you of the best solution to suit your requirements, as the options can be quite complex and it’s not just about which is the cheapest policy:

In general, there are 3 key areas to protect your lifestyle:

– Protection to deliver a regular income should you fall ill or suffer an injury meaning that you may be off work for a considerable period of time.  An Income Protection policy is the main option on offer here.
– Protection to pay out a lump sum should you suffer a serious illness such as a heart attack, cancer or a stroke. A Critical Illness policy is often ‘added on’ to a life assurance policy as an additional benefit, but can also be taken out as standalone cover.
– Protection should you die.  This is available through various forms of Life Assurance or schemes such as Family Income Benefit.
In all cases you need to be aware that certain restrictions, terms, conditions and exclusions may apply and you must be honest when filling out the forms.

For a free, no obligation initial consultation to discuss your protection cover, please contact Harris Begley on Tel 01736 366550 or email

This Payment Protection Insurance is optional. There are other providers of Payment Protection Insurance and other products designed to protect you against the loss of income. For impartial information about insurance, please visit the website at