• It won’t happen to me anytime soon… How soon is now?

    20% of all claims for critical illness happen in the first year

    Bright Grey Claim Stats

  • Never too young

    37% of all critical illness claims are for people below the age of 40

    Bright Grey Claim Stats

  • The 'C' word

    1 out of 3 people will have some form of cancer in their lifetime

    http://www.cancerresearchuk.org/cancer-info/cancerstats/incidence/risk/statistics-on-the-risk-of-developing-cancer

  • 5 minutes to go

    A stroke happens in the UK every 5 minutes

    http://www.stroke.org.uk

  • We don’t like to think about our children getting ill, however...

    The 4th biggest critical illness claim is for children

    Friends Life - Life and Critical Illness Claims Summary

Critical Illness

What is it?

Critical Illness Cover turned 30 this year. It has developed in many forms over the years but the aim remains the same.  Critical illness pays out a lump sum in the event of you suffering from a life changing specified illness such as some forms of heart attack, cancer or stroke (Not all forms of cancer, heart attack and strokes are covered by Critical Illness Insurance). Thirty years ago it was four conditions now there is over 40 and even one provider that covers over 160. Find out more…

Get a quote today

Do I need it?

Imagine you have shooting pains in your arm and are being rushed to hospital.  The Paramedic in the ambulance tells you that you're having a heart attack.  What is going through your mind?

The good news is, with medical advancements today, you will probably survive and make a full recovery.  In fact, illnesses such as cancer, heart attack and strokes are not necessarily the death penalty they were 20 years ago. 

  • How do you cope when your GP tells you are going to have to give up work because of your heart attack? 
  • Do you think your mortgage lender will stop asking for money because you are ill?

In today’s society, many forms of cancer have a survival rate as high as 95%.  Medical advancements have made conditions such as a heart attack, stroke and diabetes survivable.  What is not often talked about is how long before people are fit and well again.  Cancer, heart attacks and strokes still have an impact on your body the same as they did years ago.  You may find that your lifestyle radically changes; you may not be ready to go back to work straight away, you may have to give up work completely.  However your mortgage and bills still need to be paid.

Just at the time when you need it least, you are faced with finding money to rebuild and continue with your everyday life.  Critical illness cover pays out on the diagnosis of a specified life changing condition, allowing you to cover the bills, take time off work to recuperate or clear the mortgage. 

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How does it work?

On diagnosis of a specified critical illness the insurer pays a lump sum.  No plan is identical and the numbers of conditions that are covered differ from one insurer to the next.  The insurers cover all major illnesses such as cancer, heart attack and stroke. However, how they define the conditions varies from company to company. 

When the money is paid out you can use this to clear the mortgage, which means potentially your biggest bill every month is eliminated.  You can take a year off work to recover and go back when you feel fit, healthy and ready and not when the bills start coming in, so there is less pressure on you.

In fact you can do whatever you wish with the money and that is the point of Critical Illness Cover;  It gives you options when you thought you had none.  It gives you complete peace of mind.

It is important to speak to an adviser to find out what you are covered for as every company is different.  You may not have time to study a twenty paged Key Feature Document, take notes on the print out and then compare it to all the others. We do, this is our job.  A Proadvice adviser will help you make the correct decision when choosing the right plan for you.

Could it happen to me?

Most people seem to think they are never going to suffer from a critical illness or if they do, they will soon be dead anyway.

Just because you have suffered from a critical illness, it no longer means you are going to die. Our great grandparents were lucky to live to 50, now the average life expectancy is 78 for men and 82 for women.  In general, we are all living longer but many peoples’ attitudes seem to be in the past, for example, when a heart attack would mean a death sentence. We are no longer living in the past and therefore, it is time to stop thinking in the past when it comes to Critical Illness cover.  By taking out just life insurance, you are protecting your family if you are not here but by doing this, you are only doing half a job.

By just taking out life insurance, if you were to fall ill then your family could suffer the same financial hardships you were looking to protect against by taking out life insurance. You are 6 times more likely to claim on a critical illness plan than to die during the term of a life plan. (1)

1. http://www.theguardian.com/money/2013/dec/07/critical-illness-insurance-bad-reputation

The truth is no one in this world has a certificate from god that they will not get ill. If you suffer from a critical illness the chances are you will survive, but unlike the people below you may not have the money to support yourself while you recover. Many Critical Illness plans cover the types of illnesses suffered in our celebrity examples in the next section.

(Source: 2010 www.ons.gov.uk)

Celebrities

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anastacia steve redgrave halle berry bill clinton
christopher reeve michael j fox montel williams kylie minogue
sharon osbourne delta goodrem robert de niro billy connolly
lance armstrong john hartson michael douglas rod stewart
stiliyan petrov jade goody darren fletcher michael c hall

 

The Facts

Last year Critical Illness Cover had its best year ever; more claims were paid across the UK than any other year before. This is down to improved enhancements of the illness and definitions and a clear, medical understanding which has kept in trend with medical advancements.  Critical illness providers now cover more and understand more about the illnesses people face every day.  However, some people seem unconvinced.  Typically, we hear these three reasons as to why people do not want to look at a critical illness policy.

·         It never pays out

·         It is too expensive

·         It is too confusing

It never pays out?

The first one is a common misconception as unfortunately, bad news travels better than good.  So, for all the stories you read in the news and online of cases not paying out, these are the only stories you hear about, especially high profile cases spread by celebrities on social media sites like Twitter. This is dangerous as it changes people’s perceptions and may stop someone who needs protection to not take it out.   The real statistic of this is life cover pay outs in 2012 honoured 98% of claims, 6 million a day was paid out in the UK for protection. (1)  This is an industry that wants to pay out. 

1. https://www.abi.org.uk/News/News-releases/2013/05/Insurers-pay-out-6-million-every-day-to-help-families-deal-with-death-serious-illness-or-injury

It is too expensive?

In real terms, the cost of life insurance is actually coming down. For many people, critical illness insurance will never be cheaper for them than it is today.  The longer you put off getting the insurance, the more you have to pay.  Speak to our Proadvice advisers today. 

It is too confusing?

People who come to Proadvice are assured that when they take out a protection plan through us, it is not only the best price, but they will also know exactly what it is they are taking out.   We can advise you of the plans most suited to your circumstances and let you know what you are covered for and also what is not covered.   We have spent years reading the small print and explaining to our customers the finer details of a policy in jargon free, easy to understand language.  

Speak to an Adviser to learn more

The following videos are created by a third party and neither Pro Advice Financial Services Ltd nor Sesame Ltd are responsible for the accuracy of the content.

  1. FAQs
  2. Our Insurers
  3. Why us?
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Guides and frequently asked questions

Taking out Insurance can be daunting; to help with the process we have put together some helpful guides and have answered our frequently asked questions, or if you prefer speak to a Proadvice adviser.

Frequently asked questions

Compare Life Insurance Companies

When it comes to getting the right insurance policy it is important to speak to a Proadvice Provider who can tell you they key points of each plan. We compare 100s of different polices every day and can point out the important details to you. However if you would like to know more about the insurance companies and their history we have put together some interesting information and some key points of the policies they provide. The list below is a sample of providers used.

Choose from the list of great providers below to get started:

aegon ageas aviva axa british friendly
cirencester exeter family friendly friends life holloway friendly legal and general
lv partnership paymentshield pruhealth royal london
pruprotect shepherds friendly unum

Who are Proadvice?

Here at Proadvice our aim is to offer a professional service with our team of protection specialists and customer support. We offer you quotes with full impartial advice on the best products with plans designed to suit you. With our price guarantee we promise we will not be beaten.

The wealth of experience our specialist advisers possess enables them to explain and recommend the right products for you and therefore avoid any disappointment if the need for you or your family to claim did arise.

We make it our job to understand all of the policies inside out and understand the small print, so you can have complete peace of mind with your policy.

When buying insurance it is essential to find the right insurance company based on your health, hobbies, and your lifestyle as this will have a major effect on the final premium you will pay.

It is our job to find you the right insurance company with the very best cover for your circumstances and to also find you the most competitive rates in the marketplace today.

Here at Proadvice we do not charge a fee for the services we provide and can assist you on all elements of your personal protection from Life Insurance, Critical Illness Cover and Income Protection needs.

Why Proadvice?

Our sole aim is to advise and recommend the best polices for you should the worst happen. People come to Proadvice to ensure that when they take out a protection plan, they are going to be adequately covered. We have years of experience reading the small print, in fact we love the small print. It is one of the things that make us stand out from the crowd. We can advise you of the plans most suited to your circumstances and let you know what you are covered for and just as importantly what you are not, so you can have complete peace of mind before you take out the plan. The protection industry is an industry that wants to pay. Last year was a big year for pay outs and it is therefore important to know how to set the plan up correctly.

We know there might be more interesting and exciting things to do than taking out insurance however, we know how important it is to get it right. The insurance and financial industry isn't known for simplicity and can have difficult to understand literature.

Speak to one of our advisers today

Life insurance with advice

Taking out the cheap option may seem like the easies thing to do when taking out life insurance, critical illness cover and income protection. There are so many choices to make it can seem like you are in a minefield and unsure which way to turn and people could end up taking a policy not suitable or worse give up on the idea all together.

Most people will speak to an adviser who can guide them and recommended a plan that is tailor made for these circumstances. The other option would be to do it yourself and hope you have the right plan and it is set up correctly. In 2005 the Financial Services Authority (FSA) made buying insurance more easier to understand, if you wanted to sell life insurance you could offer advice or just offer a quote service and offer no advice whatsoever. With no advice you are on your own, all the broker can do is give you the means to set the plan up. If the plan ends up owing inheritance tax, does not pay out because of your hobby or has exclusion you were unaware of the buck stops with you.

When taking a policy with advice all the small print and clauses are highlighted to you and are explained in a jargon freeway. The adviser can also make recommendations and give guidance to you about what sort of plans are most suitable some you may have even been aware of. Best of all you are completely protected through The Financial Conduct Authority, Financial Services Compensation Scheme & Data Protection Act 1988.

Speak to your Proadvice financial consultant about getting advice today 01933 417 300.

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Protection Advisor - Rushden - OTE - £50k + Package

Due to expansion we are looking to recruit Protection Advisors to expand our sales team.

We are looking for insurance consultants with both customer service and sales focus with experience of working within a target orientated environment within Financial Services or Insurance.

We will offer excellent, ongoing training (including study towards professional qualifications) and offer fantastic career progression.

You will be required to give sound financial advice to meet their financial protection needs whilst offering unrivalled customer service.

As a Protection Adviser you will:

  • Work closely within a sales team to ensure that any potential clients protection needs are met
  • You will be taking enquires for customers for their insurance needs and then provide bespoke advice
  • Be responsible for and competent in, advising, servicing and building customer relationships

Experience required for the Protection Advisor Role:

  • Experience of working within a financial sales environment with a proven track record
  • Good general knowledge of the financial services industry and competitor activities
  • Strong interpersonal and communication skills
  • Efficient and accurate in following sales processes and completing related administration
  • Professional and credible
  • Highly focused to succeed and exceed expectations
  • Experience of working in a busy customer driven environment
  • The ability to work as part of a team

We are offering the right candidate a competitive starting salary and monthly uncapped commission.

To apply for the role please simply send your CV with a covering letter to This email address is being protected from spambots. You need JavaScript enabled to view it.

Contact

If you wish to discuss this vacancy and all other vacancies that we have in the financial sector, please contact James Barker on 01933 417300. All calls will be treated confidentially.


Mortgage & Protection Consultant - Rushden - OTE - £50k + Package

The ideal candidate will have a proven back ground in sales, be highly motivated, well presented and eager to succeed. Previous experience in mortgages would be ideal, however if you are looking for a change in career with a high profile company that will provide you with the latest mortgage qualifications (Cemap), apply below.

You will provide an effective and efficient mortgage advisory/placement service to customers of the company ensuring the provision of "best advice" in line with company procedures and statutory rules and regulations.

As a Mortgage & Protection Consultant you will:

  • Work closely within a sales team to ensure that any potential clients mortage & protection needs are met
  • You will be taking enquires for customers for their mortgage and insurance needs and then provide bespoke advice
  • You will be based in a local estate agency and will advise over the phone as well as face to face
  • Be responsible for and competent in, advising, servicing and building customer relationships

Your main tasks will involve:

  • Experience of working within a financial sales environment with a proven track record
  • Good general knowledge of the financial services industry, competitor activities and the mortgage market
  • Strong interpersonal and communication skills
  • Efficient and accurate in following sales processes and completing related administration
  • Professional and credible
  • Highly focused to succeed and exceed expectations
  • Experience of working in a busy customer driven environment
  • The ability to work as part of a team

We are offering the right candidate a competitive starting salary and monthly uncapped commission.

To apply for the role please simply send your CV with a covering letter to This email address is being protected from spambots. You need JavaScript enabled to view it.

Contact

If you wish to discuss this vacancy and all other vacancies that we have in the financial sector, please contact James Barker on 01933 417300. All calls will be treated confidentially.

Other types of cover

Life insurance

Life Insurance

It comes in many forms; its aim is to pay out an agreed amount to your loved ones in the event of your death.

see more

Health Insurance

Health Insurance

Health insurance or "going private" is an insurance policy designed to cover the costs of healthcare.

see more

Income Protection

Income Protection

Income Protection is a name given to several products, accident & sickness cover, permanent health insurance and redundancy plans.

see more

Building & Contents

Building and Contents

B&C is the insurance you take out to protect your home, should someone steal your TV or your roof collapses.

see more

Business Protection

Business Protection

I am sure you are like most people who feel as though you pay too much tax already?

see more

Keyman Insurance

Keyman Insurance

Keyman is a policy which protects your company should you lose a key worker due to illness or death.

see more

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