• Rachael Panteney

Critical Illness Myths Debunked - Part 1

Also known as Serious Cover, this is an insurance which covers specific illnesses listed within a policy. If you get diagnosed with one of these illnesses, a critical illness policy will pay out a tax-free benefit to you – either as a lump sum or a monthly payment.


These are the most common reasons I am given as to why people are reluctant to take out this kind of policy, so I’m going to dispel some of these now.

1. “It’ll never happen to me”

Most people believe that a critical illness will never happen to them, yet most of us know of someone either directly or through friends and family that has been affected. Major conditions covered are cancer, heart attack, heart bypass, kidney failure, major organ transplant, multiple sclerosis and stroke. Many policies will also cover a policy holders children.

• Cancer Research say that 1 in 2 UK people will be diagnosed with cancer in their lifetime*

• Around 1.4 million people alive in the UK today have survived a heart attack – figures from British Heart Foundation.

2. “I’m too young”

No one wants to think they’ll be struck down with a critical illness – but it can affect anyone, at any age and any time.

• The age group of 0-24 has the greatest increase in cancer incidence rates since the early 90s.

• Multiple Sclerosis is one of the most common causes of disability in younger adults – it is most commonly diagnosed in people in their 20’s and 30’s – although it can develop at any age. It is 2 to 3 times more common in women than in men.

To find out more about the conditions covered, what level of protection you need and what this may cost contact us on 01323 436680 to book an appointment.

Can you afford not to?



#Insurance #Protection #Seriousillness #Criticalillness #childrenscover #protectyourself #mortgage #lifestyle #firsttimebuyer #homemover #remortgage #financialadvice #willowtreewednesday #willowtreefinancialservices

#eastbourne #polegate #eastsussex

1 view0 comments

Willow Tree Financial Services.

A6 Chaucer Business Park,

Dittons Road, Polegate.

East Sussex, UK.

BN26 6QH

01323 436680


The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Your home may be repossessed if you do not keep up repayments on your mortgage. 

The Financial Conduct Authority does not regulate Will Writing & Estate Planning.

Willow Tree Financial Services is a trading style of Rachael Panteney, an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority.

The information and content within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Privacy Policy

© 2020 by Willow Tree Financial Services. Proudly created by AMME.

Image Disclaimer: All images shown are for illustration purposes only and are not pictures of actual clients.

For reliable financial advice that is accessible to everyone; from mortgages to pensions, and everything in between.


We pride ourselves on our friendly and professional service and use our extensive market knowledge and experience to deliver a client-first approach, as standard.

Clicking the links below will depart you from the regulatory site of Willow Tree Financial Services. Neither Willow Tree Financial Services nor Quilter is responsible for the accuracy of the information contained within the linked site.

  • Facebook - White Circle
  • Instagram - White Circle