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Protecting your family

Many people buy serious and critical illness insurance when they take on a major commitment, like a mortgage, or when they start a family. Having critical illness protection in place could help you and your family avoid a financial disaster. Considering the worst possible outcome isn't pleasant, but sometimes you need to ask difficult questions.

We’ll ensure you get the right critical illness insurance policy in place. If you’d like to explore your specific life insurance options, or simply check if you have the right level of coverage in place, please feel free to schedule a free consultation. 30 seconds is all it takes to make a life-changing decision.

Why choose us

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Expert advice in 3 simple steps

Book a fee free call

Scheduling a meeting with a critical illness insurance advisor takes under 30 seconds, from the comfort of your own home

We'll call you back

One of our expert insurance advisors will call to discuss your personal circumstances to find you the right policy.

And guide you through

We will be there to help you every step of the way, with a friendly, knowledgeable life insurance advisor by your side.


Critical illness explained

Serious illness and critical illness insurance plans pay out a tax-free lump sum on the diagnosis of a range of serious (but not fatal) conditions. These conditions include things like heart attack, stroke, cancer, major organ transplants and many others.

The conditions covered will vary depending on the insurer. Serious and critical illness insurance often comes as an optional addition to a life insurance policy, but can also be purchased on its own. Some policies will pay out a partial amount of your sum assured, while others will only pay out once.

This means that although they won’t necessarily replace your regular income, you can still use the money towards medical treatment, mortgage repayments or anything else you choose. Your family will be able to focus on your recovery without having to worry about how you’ll pay your bills while dealing with your diagnosis.

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.

It is important to keep in mind that if you or your family should come across a situation in which you would lose your regular income, a protection plan could be of great assistance to you.

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Applying for critical illness

It’s not just the type of protection insurance that’s important. You’ll want to know the likely cost, whether you need a trust document and how to make sure your cover stays appropriate for your circumstances.
  • What is an insurance advisor

    GHL Direct critical illness insurance brokers are regulated financial advisors who specialize in general insurance. Their goal is to help you determine what type of insurance and level of coverage you need and recommend a policy that fits your budget. If your insurance needs are complex, their professional opinion can be invaluable.

  • How to apply for life insurance

    In less than 30 seconds, you can book an insurance consultation with one of our advisors. Our goal is to make the process as simple as possible to get the right critical illness insurance policy. Use our live booking form to choose the most convenient time and date for you, then select critical illness insurance as the product. A member of our team will call you back to talk through your options.

    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, please don’t hesitate to get in touch, we’d love to help.

  • How much is insurance

    There are a number of factors that affect the cost of your critical illness policy. However, most people believe that this insurance is a worthwhile investment. Your loved ones can be protected from financial ruin for just a few pence a day with a decent policy. The amount you pay each month depends on factors such as:

    – your age
    – your health
    – your lifestyle
    – whether you smoke
    – your family medical history
    – the length of the policy
    – your occupation – a high-risk job might push your premiums up.

  • What is covered

    It’s imperative to know what’s covered and what’s not. Insurance companies may define and exclude things differently (what is and isn’t covered). In the event you don’t understand something, you should ask the insurance provider or your GHL Direct insurance broker. You are responsible for knowing these details. Don’t wait until it’s too late to find out what medical conditions you are covered for, or more importantly what you are not covered for.

  • Your medical history

    While most claims are successful, it’s imperative to provide all the information your insurer requests. In the unfortunate event that you need to make a claim, they will check your medical history. It is possible that they might not pay out if you did not answer the application honestly or accurately, or if you did not disclose something.

  • Switching critical illness

    If you already have critical illness insurance, you should think carefully before you cancel your existing policy and take out a new one. This is because your health may have deteriorated since taking out the cover and pre-existing medical conditions would not be covered by the new policy.

    Recent advances in the treatment of certain conditions, such as cancer, are also worth considering, as a new policy might be more restrictive than an older one when it comes to paying out on claims for certain conditions. We will be able to identify whether any of these issues are applicable to your own circumstances and advise you accordingly.

  • Insurance comparison sites

    Your first port of call might be a comparison website when looking for general insurance policies, such as life, income, home or critical illness insurance. Although they can be useful for scanning the market quickly, they won’t always provide you with the most suitable insurance policy. A comparison website will offer you generic policies, so if you want insurance that meets your individual needs, you might be better off using a broker.

    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.

View our free guides for an easy to read introduction on the insurance services we offer.
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Working with you, for you.

Trusted critical illness insurance support from recommendation to application and beyond. Once we identify the right product and assuming you’re happy with our recommendation, we’ll work with you to complete the application forms and stay in touch throughout the process – and into the future.

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