When Dean and Lisa secured their life insurance, they chose to add Critical Illness cover to their policy, they also added children’s Critical Illness cover as their broker mentioned it would be added at no additional cost and could help should they have a child who became critically ill.

Just 14 months later, their eldest son Dylan (aged 6) was taken into hospital after displaying a range of symptoms and was later diagnosed with a cancerous brain tumour. While their lives felt completely flipped upside down at the worst news they could have ever imagined for their child, Dean recalled securing the cover for their children should the worst happen.

Dean put in a call to their Critical Illness cover provider unsure if what to expect, but after a short discussion they reassured him, he’d be able to make a claim. As an additional benefit on their cover, it secured them a 50% (or £25,000 – whichever is lower) payout from the cover they had decided upon for their own critical illness policy. They had secured £75,000 cover, so received £25,000.

The payout meant both Dean and Lisa could take time out from work while they cared for Dylan and his hospital care and treatments, as well as their younger 2 children.

Once Dylan had undergone extensive treatment and officially entered remission, the family utilised some of the remaining funds to take their family away on a trip.

Despite claiming on their Critical Illness policy for Dylan, Dean and Lisa’s cover continued as their own cover had not been claimed on.