Critical Illness Cover
Lump sum protection for your mortgage and household if you are diagnosed with a serious condition.
Critical illness cover pays a tax-free lump sum if you are diagnosed with a serious condition defined in the policy, such as certain cancers, heart attacks or strokes. That money can clear or reduce your mortgage, fund treatment, or buy you time to recover.
How It Works
Each insurer lists the conditions it pays out for, and definitions vary between providers. Some include children's cover or partial payments for less severe conditions. We explain what is and isn't included so there are no surprises later.
Choosing the Right Sum
The lump sum should reflect your mortgage balance, outgoings and any time you might stop working. Some cover the full mortgage plus a buffer; others combine a smaller policy with income protection. We weigh the options against the premium.
Combined or Standalone
Critical illness cover can be bought alone or combined with life insurance, often at a lower overall cost. We compare both structures and recommend the most robust protection for your budget.
Our Approach to Your Cover
- Clear Definitions. We walk you through which conditions are covered and how each insurer defines a claim.
- A Sensible Sum Assured. We help you set a lump sum that genuinely supports your mortgage and household.
- Combined Cover Options. Where it saves money, we recommend combining life and critical illness cover under one policy.
Frequently Asked Questions
Prepare for the Unexpected
Arrange critical illness cover that protects your mortgage and your family's standard of living.
Direct Office Tel:
01625 430444Why Speak to Us First
As independent advisers we compare the whole of market rather than a single insurer, so the cover we recommend is chosen for your circumstances — not a sales target.