Helping Protect Your Financial Future When Life Takes an Unexpected Turn.
No one expects to be diagnosed with a serious illness, but the financial impact can be significant if you're unable to work. Critical Illness Cover is designed to provide financial support if you're diagnosed with a specified serious illness covered by your policy and your claim is accepted, a tax-free lump sum to help you focus on recovery rather than finances.
How We Can Help
Choosing the right protection policy isn't simply about comparing prices. Different insurers provide different levels of cover, definitions, benefits and underwriting criteria. As your Mortgage & Protection Adviser, we will:
- Take the time to understand your personal and financial circumstances.
- Discuss your protection needs and future goals.
- Explain how Critical Illness Cover works in straightforward language.
- Recommend a level of cover that is suitable for your individual circumstances.
- Search a wide range of leading UK insurers.
- Compare policy features, benefits and definitions, not just premiums.
- Explain any exclusions, waiting periods and policy conditions.
- Help you complete your application.
- Support you throughout the underwriting process.
- Review your protection as your circumstances change over time.
Our aim is to ensure you understand exactly what you're applying for so you can make an informed decision.
What Is Critical Illness Cover?
Critical Illness Cover is an insurance policy that may pay a tax-free lump sum if you are diagnosed with one of the specified critical illnesses covered by your policy and your claim meets the insurer's policy definitions.
Every insurer has its own list of covered conditions and policy definitions, but many policies include cover for illnesses such as:
- Certain types and stages of cancer.
- Heart attack.
- Stroke.
- Multiple sclerosis.
- Major organ transplant.
- Kidney failure.
- Blindness.
- Paralysis.
- Parkinson's disease (depending on the insurer and policy).
- Alzheimer's disease (depending on the insurer and policy).
- Other specified serious medical conditions.
The payment can normally be used for any purpose, including paying off part or all of your mortgage, replacing lost income, covering household expenses or making adaptations to your home.
Why Might You Need Critical Illness Cover?
A serious illness can affect much more than your health. It can also affect your income, your family's financial security and your ability to maintain your current lifestyle. Critical Illness Cover may help you:
Continue Paying Your Mortgage
Cover Household Bills
And essential living expenses.
Replace Lost Income
While you're unable to work.
Fund Treatment & Rehabilitation
Where appropriate.
Adapt Your Home or Vehicle
Reduce Pressure on Your Family
Maintain Your Lifestyle
During your recovery.
Focus on Getting Better
Rather than worrying about finances.
Having financial protection in place can provide valuable peace of mind, knowing that you and your loved ones may have additional financial support if the unexpected happens.
Why Choose Us?
Whole of Market
We search a wide range of leading UK insurers rather than recommending the same solution to every client.
Personal & Friendly
Advice tailored to your individual circumstances, with clear communication and no unnecessary jargon.
Support Throughout
From your initial enquiry through to completion, and ongoing assistance afterwards.
Frequently Asked Questions
No. Life Insurance normally pays out if you die during the policy term. Critical Illness Cover may pay a lump sum if you are diagnosed with one of the specified illnesses covered by your policy and your claim meets the insurer's definitions.
Yes. Many people choose to combine both types of protection or arrange them as separate policies to provide broader financial security.
No. Each insurer has its own list of covered conditions and policy definitions. We'll explain exactly what your chosen policy covers before you proceed.
Yes. If your claim is successful, the lump sum can usually be used however you wish, such as paying your mortgage, covering household bills, replacing lost income or adapting your home.
The amount of cover depends on your personal circumstances, financial commitments, income, mortgage and future goals. We'll help you assess the level of protection that may be appropriate for you.
Here to Support You
- Explaining your options clearly and without jargon.
- Searching a wide range of UK insurers.
- Recommending a policy that is suitable for your individual needs and circumstances.
- Helping you understand the features and limitations of each policy.
- Supporting you through the application process.
- Reviewing your cover as your needs change over time.