Critical Illness Insurance. Financial Peace of Mind.
Critical illness cover can provide a tax-free lump sum if you're diagnosed with a specified condition covered by your policy, helping you manage your mortgage, bills and everyday expenses.
Critical illness advisers
Why choose us
Critical illness policies can vary significantly between insurers. Our experienced advisers help you compare cover, understand what's included and find suitable protection for your needs and budget.
Save Time
Comparing critical illness policies can be complicated. We'll research suitable insurers, explain the differences in cover and guide you through the application process, saving you time and effort.
Find Affordable Cover
Critical illness insurance premiums depend on factors such as your age, health and level of cover. We'll compare suitable policies to help you find protection that fits your circumstances.
Understand Your Cover
Not all critical illness policies cover the same conditions. Your adviser will explain policy definitions, exclusions and payout conditions, helping you understand what you're buying.
Many critical illness insurance policies cover certain types and stages of cancer. However, not every cancer diagnosis qualifies for a payout. Some early-stage or less severe cancers may be excluded or qualify for a smaller payment under additional cover.
Your adviser can help you compare how different insurers define cancer.
Heart attacks are commonly covered by critical illness insurance, provided the diagnosis meets the insurer's medical definition and severity criteria.
Not every cardiac condition qualifies, so it's important to understand the specific requirements of your policy.
Most comprehensive critical illness policies include stroke, subject to their definitions and conditions. Some policies require evidence of permanent neurological symptoms or other specified criteria. Cover varies between insurers, making it important to compare policy wording.
Unlike term insurance, which only pays out if you die during the policy period, whole of life cover is designed to pay whenever you die, provided the policy remains in force and its conditions are met.
It may be suitable for people looking to leave money to loved ones, cover funeral expenses or support inheritance tax planning.
Multiple sclerosis (MS) is included in many critical illness policies, although the conditions for claiming can vary. Insurers may require a confirmed diagnosis supported by specific medical evidence. An adviser can help you understand which policies provide suitable cover.
PROTECTION ADVICE
Critical Illness FAQs
Critical illness insurance is a type of protection policy that can pay a tax-free lump sum if you're diagnosed with a specified serious illness covered by your policy. The money can help with mortgage repayments, household bills, treatment costs or other expenses while you recover. Payouts depend on the insurer's definitions, exclusions and policy conditions.
Critical illness insurance can be valuable if a serious illness would affect your ability to work or manage your financial commitments. A payout could help repay your mortgage, cover household expenses or provide additional financial security. Whether it's suitable depends on your savings, employment benefits, existing protection and budget.
Each insurance provider will have their own definition so its vital to check beforehand.
Life insurance generally pays out if you die during the policy term, whereas critical illness cover can pay a lump sum if you're diagnosed with a specified serious illness that meets the policy's conditions.
Life insurance helps protect those you leave behind, while critical illness insurance can provide financial support while you're still alive. Both types of cover can sometimes be combined.
The amount of critical illness cover you need depends on your mortgage balance, household expenses, savings, income and financial commitments. You may want enough protection to repay your mortgage, replace lost income for a period or cover additional recovery costs.
A protection adviser can help you calculate a suitable level of cover based on your circumstances.
If you're diagnosed with an illness that isn't covered by your critical illness insurance policy, you generally won't receive a payout for that condition. Even where an illness is listed, it must meet the insurer's medical definition and severity requirements.
Some policies offer additional or partial payments for certain conditions, so it's important to understand the exclusions before taking out cover.
Yes, you may still be able to obtain critical illness insurance if you have a pre-existing medical condition. However, availability depends on your medical history, the condition and the insurer's underwriting criteria. Some insurers may charge higher premiums, exclude certain illnesses or decline cover. An adviser can help you explore suitable options and understand any restrictions.
Find critical illness cover
Knowing you're financially protected can provide peace of mind when things go wrong. Get the right critical illness cover today.