--- title: A story of critical illness and how my client benefited from the policy description: I can share a good news story how I helped one of my clients who unfortunately suffered a critical illness. image: https://positiveadvisersblog.fivestarmortgages.co.uk/hubfs/DFM%20Campaign/watch.jpg --- Open main menu Close main menu [Critical Illness](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/tag/critical-illness) # A story of critical illness and how my client benefited from the policy ![Marta Scott-Manuszewska](https://app.hubspot.com/settings/avatar/f4ade0564d46593e9c8f81a008ba21db) [Marta Scott-Manuszewska](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/author/marta-scott-manuszewska) [Share this blog post on Twitter](https://twitter.com/intent/tweet?text=I+found+this+interesting+blog+post&url=https://positiveadvisersblog.fivestarmortgages.co.uk/blog/a-story-of-critical-illness-and-how-my-client-benefited-from-the-policy) [Share this blog post on Facebook](http://www.facebook.com/share.php?u=https://positiveadvisersblog.fivestarmortgages.co.uk/blog/a-story-of-critical-illness-and-how-my-client-benefited-from-the-policy) [Share this blog post on LinkedIn](http://www.linkedin.com/shareArticle?mini=true&url=https://positiveadvisersblog.fivestarmortgages.co.uk/blog/a-story-of-critical-illness-and-how-my-client-benefited-from-the-policy) ![](https://positiveadvisersblog.fivestarmortgages.co.uk/hubfs/DFM%20Campaign/watch.jpg) It’s with pleasure I can share a good news story how I helped one of my clients who unfortunately suffered a critical illness. Before I get to the story for those that do not know let me tell you what a critical illness policy is. **What is critical illness policy?** A critical illness policy is designed to pay out a lump sum or income in the event of a person suffering a critical illness. Critical illness claims are mostly made for cancer, stroke or heart attack. Providers also cover between 20 and 40 different unpleasant and serious illnesses. The purpose of critical illness cover is to enable the policy holder to repay a debt or provide cash to take away financial worry at a time of a critical illness. This would enable them the best chance to recover free of financial stress and anxiety. Our whole of market protection service enables us to search the whole market for the most suitable policy for each client’s circumstances and budget. **What do I need critical illness cover for? This is probably the most asked question.** Clients often think they are invincible! Critical illness is something that usually happens to others, but surely it will not happen to me… This is exactly what my client Mr P thought when I first met him. Mr P and his wife initially contacted me as they needed an adviser to help them re-mortgage to raise capital and repay a Help to Buy equity loan. Whilst we were carrying a financial review it became apparent that Mr & Mrs P only had life cover in place to repay their mortgage if one of them died. There was no critical illness or income protection in place. Despite my clients fairly young age (they were still in their 30s) they could clearly see the benefits of both critical illness cover and income protection. We looked at many plans, but due to budget restrictions my clients could not afford a full critical illness policy to cover the whole mortgage. Instead we applied for decreasing life cover which would repay all the mortgage if either Mr or Mrs P died. We also applied for separate critical illness plans for £50,000.00 each so they would have some money to take away financial pressures if they suffered a critical illness. Finally, we also applied for two short term income protection policies (sick pay) for £800.00 per month so if either Mr or Mrs P were off sick, they could still afford to pay their mortgage. This enabled them to have some critical illness cover and still work to an affordable budget. One year later I received a phone call from Mrs P. Her husband was diagnosed with critical illness condition. Thankfully after few months Mr P made a full recovery. While Mr P was recovering, we helped Mrs P manage the critical illness claim from start to finish. £50,000 was paid swiftly and without any complications. **Conclusion** Did the reassurance of knowing that they did not have to worry about money assist in Mr P’s recovery? Would the recovery have been slower if Mr P were worrying about money? Thankfully the story had a happy outcome with Mr P’s recovery. Due to the swift recovery the couple did not suffer financially so they decided to invest the critical illness pay out for their future which I am now helping them with. If you would like a financial review of your protection, investments or mortgage do not hesitate to call. I was grateful to have helped Mr and Mrs P and look forward to helping many more clients in the future. [![Contact Positive Advisers for Financial planning advice.](https://no-cache.hubspot.com/cta/default/20233606/8217c43c-f2e1-4c4e-90d4-36a8b69c0b83.png)](https://cta-redirect.hubspot.com/cta/redirect/20233606/8217c43c-f2e1-4c4e-90d4-36a8b69c0b83) **Warnings** **YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.** **Our services relate to certain investments whose prices are dependent on fluctuations in the financial markets beyond our control. Investments and the income from them may go down as well as up and you may get back less than the amount invested. Past performance is not a guide to future performance.**   ![Marta Scott-Manuszewska](https://app.hubspot.com/settings/avatar/f4ade0564d46593e9c8f81a008ba21db) #### Marta Scott-Manuszewska [Follow me on my website](https://www.fivestarmortgages.co.uk) [Follow me on Facebook](https://www.facebook.com/PolishMortgageAdvisor) [Follow me on LinkedIn](https://www.linkedin.com/in/marta-scott-manuszewska-6a199670/) Marta lunched Five Star Mortgage is 2016 having worked the previous 3 years providing mortgage advice along side a Law firm and the previous 7 years in residential lettings. This grounding in property has seen her grow a huge following in this area. Over the years Marta has seen her clients grow financially and need more and more complex advice. She set a goal and achieved this in 2019, that goal to qualify to provide Independent Financial Advice. At this point Marta became a Director / Owner of Positive Advisers Ltd and is now passionate in helping many of her mortgage and new clients with more complex financial planning advice. Marta lives in Oundle with Mark her partner and co-owner and son. Her favourite TV program is “Suits”. She enjoys theatre, concerts, dining out and spending time with family and friends. ## Related Articles [![](https://positiveadvisersblog.fivestarmortgages.co.uk/hubfs/equity%20release.jpg)](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/case-study-equity-release-and-divorce) [Equity Release](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/tag/equity-release) ### [Case study: Equity release and divorce](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/case-study-equity-release-and-divorce) This is a real-life case in 2020 where an equity release agreement has helped a couple separate in later life and for our client to retain ownership of the matrimonial... ![Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/hs-fs/hubfs/mark%20scott.jpg?width=45&name=mark%20scott.jpg) [Mark Scott, Director Positive Advisers Ltd](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/author/mark-scott) [Read more](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/case-study-equity-release-and-divorce) [![](https://positiveadvisersblog.fivestarmortgages.co.uk/hubfs/beach.jpg)](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/when-can-i-retire-1) [Pension](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/tag/pension) [Equity Release](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/tag/equity-release) [Investment Planning](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/tag/investment-planning) ### [When can I retire?](https://positiveadvisersblog.fivestarmortgages.co.uk/blog/when-can-i-retire-1) ### What’s your magic number? 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