As parents, we do everything we can to keep our children safe. But even with the best care and attention, accidents and illnesses can happen unexpectedly.
Having some financial protection in place can help ease the pressure on you and your family if your child becomes unwell or injured.
One option available through CoG Financial is ChildShield, a unique, stand-alone protection policy designed specifically for children.
ChildShield, provided by MetLife, is an affordable child insurance policy that offers financial support in the form of a lump sum payment if your child is affected by an illness or accident. It’s designed to help families manage the additional costs that can arise, such as travel, time off work or hospital stays.
A standout feature of the policy is there is no limit to the number of claims you can make.
Unlike some protection plans, ChildShield can only be arranged through a broker, meaning you’ll have the guidance of a financial professional to make sure it’s the right fit for your family.
ChildShield provides cash benefits for a range of situations, including:
Payments are made directly to you, giving your family the flexibility to use the funds where they’re most needed.
An added benefit of ChildShield that is incredibly useful for families is GP24. This gives the whole family access to a virtual GP 24/7. You can use this anywhere in the world for no extra cost. Alongside GP24, families also have access to a Wellbeing Support Centre to access health and wellbeing advice, 24/7, 365 days a year.
The policy is available for children from 6 months up to 22 years old (subject to eligibility), offering reassurance through key stages of childhood and young adulthood.
While many parents have life or health cover for themselves, children are often not included in these plans. ChildShield offers a simple way to extend protection to your family, providing financial support during difficult times without the need for medical assessments or complex applications.
It’s also a stand-alone policy, so it can be taken out independently of other cover.
ChildShield was invaluable for the James family. With 3 kids, a dog, cat and rabbit, life was always very hectic in the James household. When their youngest fell off the monkey bars on the way back from school, what was thought to be just a bang, turned out to be a compound fracture of the arm, requiring an operation and 3 days stay in hospital.
Steve and Jane both did shift work but didn’t need to worry about their lost income due to accompanying their youngest during their hospital stay. ChildShield quickly, and with no fuss, paid out a lump sum which meant they could focus on helping their child make a full recovery, without the stress of worrying about money.
At CoG Financial, we can help you understand how ChildShield works, what it covers and whether it’s the right option for your family. We’ll guide you through the process, explain any exclusions or limitations and handle the setup for you.
Our role is to ensure you have clear, impartial information before making a decision.
If you’d like to learn more about ChildShield and how it could support your family, get in touch with the CoG Financial team. Call us on 01489 357550, email hello@cogfinancial.co.uk or fill out our contact form.
We are here to help.
Message us to find out more about ChildShield
