• Rachael Panteney

Do you have Critical Illness Cover in place?

This is why you also need to have Lasting Power of Attorney.

If you have taken critical illness insurance out, but don't yet have a power of attorney in place then you (or your family) could come unstuck in the event of a claim.

If you are unfortunate enough to have suffered from an illness that would trigger a policy payout, it is the policy owner who needs to make the claim. However, depending on the nature of the illness, you may not be physically or mentally able to claim.

Take Stroke for example.

Every 5 minutes, someone in the UK has a stroke, which totals 100,000 over a year. While most people who have a stroke are older, younger people can have strokes too, including children. One in four strokes in the UK happens to people of working age.

Across the industry, stroke is the 3rd most common cause of claim.

So if you suffered a stroke, it may be that you could not claim for many months until you'd reached a point in your recovery where you could make a claim, causing financial hardship to your family - the very thing you'd taken out the cover to prevent.

There are actually two types of Lasting Power of Attorney to consider:

Finance & Property, and Health & Welfare.

LPA's are powerful legal documents, and we feel that everyone (no matter your age) should have them to protect themselves, and those important to them.

Contact us to book an appointment where we can arrange this for you.

For more in depth information, please contact us or call Rachael on 01323 436680 and book a FREE initial consultation today.

*Stroke statistics taken from stroke.org.uk November 2020

*Advice on Power of Attorney and Will

Writing is not part of the Quilter Financial Planning offering and is offered in our own right.

Quilter Financial Planning accept no responsibility for these aspects of our business.

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. 

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