Critical illness cover pays out a tax-free lump sum if you’re diagnosed with a serious condition such as cancer, heart attack or stroke. Unlike life insurance, you’re still here to use the money which is exactly when you need it most.
You have a mortgage or financial commitments A serious diagnosis can make it impossible to work. The payout can cover your mortgage, bills and everyday costs while you focus on your recovery without the added pressure of financial worry.
You don’t have significant savings Most of us couldn’t sustain our lifestyle for long without an income. Critical illness cover bridges that gap, giving you time and financial breathing space when everything else feels uncertain.
Your employer’s sick pay is limited Statutory sick pay won’t go far. If your employer only offers a few weeks or months of full pay, critical illness cover can make up the shortfall for as long as you need it.
You have dependants who rely on you Whether it’s a partner, children or other family members, a serious illness affects everyone around you. Having cover in place means you can focus on getting better rather than worrying about the people who depend on you.
What does it cover? Policies vary between providers, but most cover conditions including cancer, heart attack, stroke, multiple sclerosis and organ failure. We’ll make sure you understand exactly what’s included before you commit to anything.
We’ll assess your situation honestly, compare policies across the whole market, and find the right level of cover for your circumstances.
We aim to respond to all enquiries within one working day. If your matter is urgent, please call us directly.
