Critical Illness. It’s hard to ignore the facts.


Riviera Mortgages, based in Torquay, provide a range of critical illness cover to suit your needs. The local financial advisors can arrange family income protection to support your future.

These days, people are living longer – mostly due to medical advances. As a result, the chance of being diagnosed with a critical illness has also increased. So, the need for critical illness cover is greater than ever.

Why people need critical illness cover

  • 2.5 million people in the UK are living with cancer, almost 900,000 of whom are working age
  • Nearly 2.3 million people in the UK suffer heart disease, with 240,000 currently in employment
  • Over 1.2 million in the UK have had strokes, with over 130,000 survivors still in the workforce
  • 30,000 UK workers suffer from Multiple Sclerosis

Legal and General’s recent research discovered that only 22% of people thought they could maintain their lifestyle without having critical illness cover. 33% of people said they’d have to seriously cut back if they wanted to survive, with another 32% realising that they would be in deep financial struggle.

Cover that does pay

Insurance companies like Legal and General have worked hard to improve the definitions around conditions covered. This has helped to make them much clearer.

Currently, they have around 92% of Critical Illness claims paid, that rises to 96% for Children Critical Illness Cover.

So, people shouldn’t ignore taking out cover due to a fear that it won’t be paid.

For any more information, please visit our critical illness cover page and feel free to contact us for advice.