“I’ve used HFMC for my financial affairs for over 20yrs and have been very happy with their advice, which often crosses into practical advice as well as the financial. One such product I would classify as such was critical illness cover. I was initially reticent about taking out a policy and as a young man, I couldn’t see its value, in addition to private health care and life insurance. Nevertheless, Jeremy detailed the benefits and I took out the policy.
Last year, I was diagnosed with cancer. I recall asking myself “How on earth can I get this? I’m fit, healthy, under 50, I regularly exercise and have never smoked”. I had 6 months of chemotherapy with many side effects, in particular tiredness. I did manage to keep working, although often at home or with reduced hours.
The policy paid out quickly at the beginning of my treatment. Jeremy and Nick liaised with the policy provider ensuring no extra stress.
I am now in remission and will continue to fight this disease. However, the critical illness payout has given me a degree of financial comfort that has been extremely welcome. In the middle of the treatment, the last thing I wanted to do was worry about my financial situation if I was unable to work. Now that the treatment has finished, I feel I have the financial flexibility to look at variety of options for the next stage of my life”
JR (MD Investment Bank)