Financial peace of mind when you need it most

Financial peace of mind when you need it most   No one likes to consider the possibility of being diagnosed with a critical illness. You may think it will never happen, and quite possibly it never will. But you can never be sure. Unfortunately a critical illness can strike anyone at any time in their life. The tables below show claims we’ve paid to customers who have been diagnosed with critical illnesses covered by our plans.
Examples of claims paid in 2014 – male– (source Zurich Assurance Ltd.) Age Occupation Reason for claim Claim Claim Time plan held before claim 56 Farmer Heart Attack £104,091 23 years 61 Driver Alzheimers £20,000 14 years 33 Store Manager Benign Brain Tumour £65,000 6 years 45 Accountant Cancer – Leukemia £150,000 14 years 48 Co. Director Prostate Cancer £147,371 9 years   Examples of claims paid in 2014 – female – (source Zurich Assurance Ltd.) Age Occupation Reason for claim Claim Claim Time plan held before claim 40 Project Manager Cancer – Skin £135,000 4 years 36 Clerk Stroke £71,000 15 years 40 Estate Agent Breast Cancer £75,000 11 years 56 Nurse Multiple Sclerosis £29,400 15 years 55 Teacher Cancer – Ovary £34,570 18 years     Why it pays to choose Attfield James Financial Management We have over 250,000 people in the UK who trust Attfield James's to help take care of their financial needs if they were diagnosed with a critical illness covered by one of our plans. We take an open and honest approach when dealing with critical illness claims paying valid claims as quickly and efficiently as possible. If we don’t believe your claim is valid, we’ll let you know why. Taking out critical illness cover, helps give you valuable financial peace of mind, when you might need it most.   A closer look The reasons for claims in the charts below are only a guide as there are some conditions that our plans exclude. For example, they do not cover less advanced cases of cancer, strokes that do not result in permanent symptoms or heart attacks below a certain severity. You can find full details of what the plans cover in either our booklet called ‘Your guide to your cover’ or in the Terms and Conditions. These will automatically be sent with your plan documents and are also available on request. During 2014, the reasons for claims were: – (source Zurich Assurance Ltd.)   Claims we paid in 2014 Total payments: £63.1m Total number of claims paid: 759 Largest claim: £1m Claims we couldn’t pay in 2014 In 2014, we were unable to pay 76 critical illness claims that were made because: 11 claims were declined because the customer didn’t tell us about important medical or health information when they took out the plan 64 claims were declined because the condition being claimed for didn’t meet the definition within the plan 1 claim was declined due to the claim being related to an exclusion. Overall, we were able to pay 90.9% of all claims made in 2014.   Why we need all of the facts It is very important to us that we are able to pay valid customer claims promptly at a time when you might need it most. In order for us to be able to do this we need you to fully and truthfully give us all the information we ask for when you apply for your plan. Failing to disclose all requested information could mean you and your family could be disappointed should you claim and receive a less than full payout or none at all. Speaking to your financial adviser can help to ensure that we have all the relevant information we need.   What you need to do next If you suffer a critical illness, you don’t want to be worrying about money as well as your health. With Attfield James's critical illness protection, you can relax knowing that you’ve taken steps to help secure your family’s financial future. Attfield James's critical illness cover can help provide you with financial protection for a range of critical conditions. For more information about Attfield James's critical illness protection plans, and to discuss your own personal protection needs, please speak to your financial adviser.    
Last modified on Saturday, 05 March 2016 13:20

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