Critical Illness Cover Saves Young Family
During Dual Cancer Diagnosis

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Critical Illness Cover Saves Young Family During Dual Cancer Diagnosis

Client Profile

Names: A Shah (32) and B Shah (31)
Family: Married, one child (age 3)
Policy Type: Individual Whole of life including Critical Illness
Sum Assured: £150,000 each
Indexation: Included
Monthly Premium: £35/month per policy

Mr & Mrs Shah decided to take out a Critical Illness policy shortly after buying their first home and just before the birth of their second child. We recommended cover to help protect their family should either of them suffer a serious illness.

They both agreed: “We’re young and healthy – but you just never know.”
They opted for a single life policy covering death or critical illness such as cancer, heart attack, stroke, and several other critical conditions.

The Shock: Dual Cancer Diagnoses

The unthinkable happened.

In September 2012, Mrs Shah was diagnosed with breast cancer grade 3 during a routine check-up.
In December 2013, Mr Shah was diagnosed with ulcerative colitis cancer.

Both were early stage but required surgery, radiotherapy, and time off work

The Claim Process:

The couple contacted our offices, and we liaised with the insurer to make a claim on their critical illness policy.

Mrs Shah Claim: Paid in full within 6 weeks — £238,128
Mr Shah Claim: Paid shortly after his diagnosis — £245,510
Total Payout apporx.: £484,000

The claims were processed smoothly, and both were accepted under the standard cancer definitions outlined in the policy.

Impact on the Family:

The critical illness payout transformed their recovery journey:

Paid off outstanding mortgage
Covered childcare costs as now they had three young children and daily living expenses while they recovered
Allowed them to focus on their health and family, not money
Helped Mrs Shah to access private therapy sessions and nutritional support

Funded a small family holiday post-treatment to reconnect and heal emotionally

Client Reflection:

“We never imagined we’d both need it. That policy saved us — not just financially but emotionally. It gave us breathing room when everything else felt like it was falling apart.”

Conclusion:

Mr & Mrs Shah`s story is a powerful reminder that critical illness doesn’t discriminate by age. Having cover in place gave them the financial security to survive, recover, and rebuild their lives — together.

If premiums stop, then cover will lapse. Cover is subject to terms and conditions and may have exclusions. Definitions of illnesses vary from product provider and will be explained within the policy documentation.

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Critical Illness Cover Saves Young Family
During Dual Cancer Diagnosis