Protection
Critical Illness Cover
Family is important; that’s why it’s best to get expert advice to help protect what matters, when it matters!
What is it?
Critical Illness Cover provides a tax-free lump sum if you're diagnosed with a serious medical condition listed in your policy. It's designed to offer financial stability during a time of immense emotional and physical upheaval so you can focus on your recovery, not your finances.
This cover typically includes major health conditions such as:
Cancer (including many of the most commonly diagnosed forms).
Heart attacks and strokes.
Multiple sclerosis.
Parkinson’s disease.
Organ failure or transplants.
Loss of limbs or sight.
Motor neurone disease.
Benign brain tumours.
Some providers also offer early-stage cancer cover, children’s critical illness cover, and additional payments for less severe conditions, depending on the policy structure.
Who Should Consider It?
Critical Illness Cover is suitable for:
Professionals or business owners with financial dependents.
Individuals with significant liabilities, such as mortgages or school fees.
Families wanting added protection beyond income cover or life insurance.
Anyone who values the ability to act quickly and decisively in the face of serious illness.
Even if you have sick pay or other insurance, this cover provides a crucial financial buffer when income might stop but expenses continue.
Why Is It So Important?
A serious illness can impact every aspect of your life, from your ability to work to how you care for your family to the choices you make about treatment or recovery.
A Critical Illness payout gives you:
The freedom to reduce working hours or stop work entirely during treatment.
Funds to cover private healthcare or specialist treatment not available through the NHS.
Support to pay off or reduce your mortgage or financial commitments.
The ability to make necessary adjustments to your home or lifestyle.
Peace of mind that your family won’t carry the financial burden.
Unlike life insurance, this benefit is paid while you're still alive, helping you live well through difficult circumstances.
Why Choose Us?
The quality of Critical Illness Cover varies dramatically between providers, not just in price, but in what’s covered, how conditions are defined, and how claims are assessed.
We specialise in helping clients select high-quality, tailored cover that reflects their lifestyle, risk profile, and long-term goals. With decades of experience and access to leading insurers, we ensure your plan provides true protection, not just a policy on paper.