Serious Illness

Serious Illness

Serious illness insurance pays you a tax-free lump sum if you are diagnosed with one of the specific illnesses or disabilities that your policy covers, this can also be referred to “critical illness cover”. It is often sold as an extra benefit on life insurance or mortgage protection policy but can also be sold as a separate policy.

If you are thinking about taking out a serious illness insurance policy, it is important to realise that it would not replace your income if you were out of work because of a long-term illness. If you want to protect your income you should consider an income protection policy.

While you could get sick and be unable to work, serious illness insurance will only pay out if the illness is covered by the policy.

The list of illnesses varies between insurers but usually includes stoke and heart attack, some types of cancer, coronary artery disease, multiple sclerosis, kidney failure, motor neurone disease, blindness, major organ transplantation (including being on a waiting list for transplantation), a benign brain tumour and severe burns.

We are happy to discuss your needs and explain the types of serious illness cover available for you, we will explain the term and condition that apply.

Mortgages

The maximum mortgage available is 90%, however this should be seen as guide only and for a specific assessment on to your own circumstances, we will guide you through the process.

You must have a deposit available for the purchase price and also have available funds to cover stamp duty and legal fees.

Life Insurance

Life insurance pays money to your spouse or dependants or a named person when you die. It pays either a lump sum or regular income if you die during the time limit set out in the policy. The cover is either whole of life or for a specific term.

Your age, health, smoker status and family medical history will affect your eligibility and the cost.

Serious Illness

Serious illness insurance pays you a tax-free lump sum if you are diagnosed with one of the specific illnesses or disabilities that your policy covers, this can also be referred to "critical illness cover".

It is often sold as an extra benefit on life insurance or mortgage protection policy but can also be sold as a separate policy.

Anita Cambie

Owner / Principal

Anita is in the mortgage/insurance industry since 1997 and over the years has gained a wealth of experience. In 2011 Anita established her own mortgage broker business, Anita Cambie Financial Ltd. With Anitas in-depth knowledge of the mortgage and insurance industry the business has grown from strength to strength. 

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Mortgages

The maximum mortgage available is 90%, however this should be seen as guide only and for a specific assessment on to your own circumstances, please contact Anita Cambie Financial and we will guide you through the process.

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Income Protection

An income protection insurance policy protects against the loss of your ability to earn money due to illness or disability .An income protection policy gives you the comfort of knowing that if your income ceases you will still have a source of income

Life Insurance

Life insurance pays money to your spouse or dependants or a named person when you die. It pays either a lump sum or regular income if you die during the time limit set out in the policy.

Expats Mortgage

Are you Irish and living abroad. Are you looking to move back to Ireland. If so Irish residents can apply and secure a mortgage for a property in Ireland without being present in Ireland.

Serious Illness

Serious illness insurance pays you a tax-free lump sum if you are diagnosed with one of the specific illnesses or disabilities that your policy covers, this can also be refered to "critical illness cover".

House Insurance

There can be considerable differences between policies in terms of what they exclude and the extras included. When you buy insurance, it is important to remember that the policy offering the lowest premium is not always the best.

Personal Attention

A referral remains the highest compliment we can receive. If you know of someone who could benefit from our advice we would be grateful for the introduction. 

Contact Us

Have a questions about your finances? We are happy to help. Use the contact form below and one of our team shall respond to your message.

Testimonials

Anita Cambie Financial came recommended to me from the some of Waterford’s estate agents and getting her help was the best move I made as regards my first mortgage application. Anita knows her stuff inside out and there was no enquiry too big, small or unusual no matter what time of the day we spoke. She was extremely professional and down to earth throughout the whole process and talked me through everything, and anyone I’ve recommended her to have had the same experience. Cannot speak highly enough of her.

Robert McDonald

Anita has dealt with my mortgage for a number of years now, starting from the initial draw down, and now with switching my mortgage to a new provider. Anita was available to take the call even outside of regular working hours, explain what state the process is on in plain English, what the next steps are and most importantly, Anita dealt with lots of administrative issues in a transparent way. I have recommended Anita’s services to several of my colleagues and would warmly recommend her again without any hesitation.

Dalen Kambur

My wife and me are absolutely delighted with Anita s service. We are really impressed with the personalised professional service and financial advice given to us. I have no hesitation in recommending Anita services to any of my friends and family

Madhu Narayanan & Sneha Das