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The critical illness serious illness cover experts

Serious illness isn’t a pleasant topic to discuss but having a critical illness policy in place can really help you and your family minimise the financial impact of a critical illness. We’d love to help you with this.

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Get your critical illness cover today

We think you’ll love our critical illness advice. Although its not an exciting or pleasant subject to contemplate we’ll try to make it as easy and stress free as possible. It really is one of those insurance policies your cant afford to put off. Our expert critical illness advisors are always ready to chat. You don’t even have to leave home, we are very flexible and offer appointments over the phone, via video call or face to face, wherever & whenever you feel comfortable.

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Simple, stress free insurance advice in just 3 easy steps
Book Your Free Call
Just 20 seconds is all it takes to book your free critical illness call. You don’t have to visit a branch, there won’t be traffic, or parking either. Just select the best time and day for you, and we’ll call you right back.
We'll Search For You
Using our expert product knowledge, we will put together a personal recommendation for you. We aim to find the right cover from the UKs top providers including Zurich, Vitality, L&G, LV & Aviva.
And Do The Paperwork
Assuming you’re happy with our recommendation, we’ll work with you to complete the application forms and stay in touch throughout the process Your critical illness protection advisor is with you every step of the way,

Critical Illness Cover FAQs

Our insurance experts understand you probably have many questions, so we thought we’d answer some here first. If not, our insurance advisors are always on hand to answer your questions.

You won’t have to wait long at all. Simply send your details using our booking form and we should be able to get you an appointment with a critical illness advisor within the hour.. Our calendar lets you choose any day & time, the choice is completely yours.

It really only takes 20 seconds to send us your details, tell us when to call and your all done. We will assign your insurance advisor based on your postcode or whoever we think will manage your requirements best.

Your initial meeting with our GHL Direct insurance advisor can last up to one hour, though it does depend on the complexity of your circumstances.

Our critical illness cover advice is always free and without obligation, you don’t pay a single penny. If you decide to proceed, our advisors will take commission from the critical illness provider. Your insurance advisor will outline all this to you at the start of the meeting, transparency is key to our business.

Your initial meeting is very relaxed & will include a ‘fact find’ session, which enables the insurance advisor to understand your current circumstances, future goals and priorities. We also have to say if there are any limits to the range of insurance products we can recommend for you. Using our expert critical illness cover knowledge and access to some of the top uk providers we will find the policy that is most suitable for you & your family.

It may be tempting simply to opt for the cheapest policy available. But it is important to bear in mind that whilst many products may look the same, there can be important differences between them that can be difficult to spot. This is particularly important with serious and critical illness cover, and income protection insurance, where the cover available from different providers varies more significantly. Care should be taken to select a policy that is most suitable for your particular needs. We can help you make the right selection.

To make the most of your time with your critical illness advisor it can be handy to have any questions ready. Have an idea of why you think you may need it and what you want from it, just in case the worst happens.

Very good question and we more than happy to answer this. GHL Direct & our insurance advisors are regulated by the FCA (Financial Conduct Authority) which means we are fully authorised to offer financial advice in the UK. You can verify this at the FCA website

Expert critical illness advice.. just in case.

If you’d like to explore the specific options for your circumstances, or simply check if you have the right level of cover in place, we’d be really happy to help.

What is critical illness cover
Critical illness insurance is a policy designed to pay a lump sum or income on the diagnosis of certain life-threatening or debilitating (but not fatal) conditions such as a heart attack, stroke, certain types/stages of cancer, multiple sclerosis and loss of limbs.
Who needs it?
Many people buy serious and critical illness insurance when they take on a major commitment, like a mortgage, or when they start a family. However, as any of us could suffer a serious illness at any time and would most likely appreciate our financial burden being lightened, it’s fair to say that this type of cover is relevant for most of us, no matter what life stage we’re at.

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