Using a broker means you do not have to work everything out on your own. We help you understand the different types of cover, compare options from a range of insurers, explain the small print and support you through the application and underwriting process.

What happens if I already have cover?

We can review your existing policies to understand what you already have, whether the cover still meets your needs, and whether there are any gaps. We will not recommend cancelling existing cover unless it is suitable to do so and replacement cover is in place where needed.

How much does the advice cost?

There is no charge for protection advice or consultations with us. Our service is completely free and without obligation.

What illnesses are covered by critical illness insurance?

Most policies cover conditions such as cancer, heart attack and stroke, but the exact list and definitions vary between insurers. We'll help you compare cover so you understand exactly what's included.

Can children be covered under critical illness insurance?

Some providers include children's critical illness cover as standard or as an optional add-on, offering financial support if a child is diagnosed with a specified condition, subject to policy terms.

Critical Illness Cover That Supports You When It Matters Most

What Is Critical Illness Cover?

Critical illness cover pays a tax-free lump sum if you're diagnosed with a specified serious illness, such as cancer, heart attack or stroke. This money is paid directly to you and you can use it however you choose: to pay off your mortgage, fund private treatment, cover recovery time, or simply give yourself breathing space while you focus on getting better.

It's suitable for anyone with financial commitments: families, homeowners, the self-employed and business owners who want to make sure a serious diagnosis doesn't also mean financial hardship.

Multigenerational family spending time together at home

Support for the moments that matter most

A critical illness affects the whole family. The right cover means you can focus on recovery, not finances.

Mortgage Protection

If you were diagnosed with a critical illness, the last thing you need to worry about is your mortgage. Critical illness cover can provide a lump sum to repay or reduce your mortgage, giving you space to focus on recovery.

Family Financial Support

A serious diagnosis affects the whole family. The lump sum from critical illness cover can help maintain your household's standard of living, cover childcare and support your family through a difficult time.

Family member bringing tea to someone resting at home

Time together, when it matters most

Recovering from a serious illness takes time. The right financial support is there to give you that time.

The lump sum is paid directly to you, so it can be used for whatever helps most: reducing your mortgage, funding treatment, covering childcare, or simply giving your household room to breathe while you focus on getting better.

Help repay or reduce your mortgage
Fund private treatment and recovery
Cover childcare and household bills
Bring peace of mind to the whole family

Critical Illness Cover FAQs

Ready to Explore Your Critical Illness Cover Options?

New to protection or reviewing existing plans? Either way, we'll talk you through the options and recommend what genuinely suits your situation.

Book a Free Protection Review Speak to an Adviser

Review My Critical Illness Cover

Tell us about your circumstances and we'll be in touch to discuss your options.

Please do not include medical or other sensitive personal information in this form. An adviser can collect any information required securely later.

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