PROFESSIONAL PROPERTY PEOPLE

Financial protection if you get
seriously ill.

Critical illness cover pays a tax-free lump sum if you are diagnosed with a serious condition. It clears the mortgage, funds treatment, or simply replaces lost income while you recover. We compare every major UK insurer to find the right policy.
CRITICAL ILLNESS COVER

What critical illness cover actually is

Critical illness cover pays a tax-free lump sum if you are diagnosed with one of the serious conditions listed in your policy, for example cancer, heart attack, or stroke. Unlike life insurance, it pays out while you are still alive.
The money is yours to use however you choose, to pay off the mortgage, fund private treatment, adapt your home, or simply replace lost income while you recover. We search the whole UK market to find the right policy for your circumstances and explain in plain English what each insurer actually covers.
Up to 100+ conditions
Top-tier policies now cover 100+ critical conditions. Coverage and definitions vary between insurers, which is why a careful comparison matters.
Tax-free lump sum
The payout is completely tax-free and yours to use as you choose. Pay off the mortgage, fund treatment, adapt your home, or replace lost income.
Children's cover included
Most policies include free children's critical illness cover. We make sure this is in place and explain exactly which conditions are covered.
Free for you, always
The consultation, the advice, and the annual review are free. Insurers pay the adviser commission, not the client. Built into standard premiums.
HOW WE HELP

Everything We Do For You

✓
Needs Assessment
We calculate the right level of cover based on your mortgage, dependants, and income.
✓
Whole of Market Search
We compare every major UK insurer to find the most comprehensive cover at the right price.
✓
Condition Comparison
We compare the conditions covered across different policies. Not all policies cover the same things.
✓
Combined Policy Options
We advise on combining critical illness with life cover for better value and simpler protection.
✓
Application Support
We handle the application and any medical underwriting questions on your behalf.
✓
Annual Review
We review your cover every year so it keeps pace with your mortgage and circumstances.
WHAT WE COVER

Types of critical illness cover we advise on

Standalone critical illness
A dedicated critical illness policy that pays a lump sum on diagnosis of a covered condition. Separate from any life insurance you already hold.
Combined Life and Critical Illness
One policy that pays out on either critical illness diagnosis or death, whichever happens first. Usually cheaper than two separate policies.
Additional Critical Illness
Critical illness benefit added on top of a life insurance policy. Pays on critical illness diagnosis without ending the underlying life cover.
Children's Critical Illness
Most policies include free cover for your children automatically. We make sure it is in place and explain exactly which conditions trigger a payout.
The Process

How We Arrange Your Life Cover

Four simple steps to getting the right cover in place.
1

Needs Assessment

A short call to understand your mortgage, family situation, income, and what genuinely needs protecting.
2

Policy Comparison

We compare policies across every major UK insurer, looking at price, conditions, and definitions.
3

Application

We handle the application, any medical underwriting, and the disclosure process on your behalf.
4

Cover and annual review

Your policy is in place. We review it every year so it keeps pace with your situation.
common Questions

Critical Illness Cover FAQs

Straight answers to the questions we hear most often.
What conditions are covered?
Top-tier policies cover 100+ critical conditions, including cancer, heart attack, stroke, multiple sclerosis, and Parkinson's disease. The exact list and the medical definitions vary between insurers. Careful comparison is the single most important thing on a critical illness policy.
How much critical illness cover do I need?
At minimum, enough to clear your mortgage. Many clients include enough to cover 12 to 24 months of household income on top, so you can focus on recovery rather than finances. We calculate the right figure based on your circumstances.
Is the payout tax-free?
Yes. Critical illness payouts are completely tax-free and can be used however you choose, to pay off debt, fund treatment, adapt your home, or replace lost income.
Can I get critical illness cover with a pre-existing condition?
Often yes. Pre-existing conditions may be excluded or attract a higher premium, but cover is usually still available. We work with specialist insurers who take a flexible approach.
What is the difference between critical illness and income protection?
Critical illness pays a one-off lump sum on diagnosis of a covered condition. Income protection pays a monthly income if you cannot work due to illness or injury, regardless of the specific cause. Many clients benefit from having both.
Does critical illness cover pay out for cancer?
Most policies cover cancer, but with specific definitions. Some early-stage cancers may not meet the policy definition and pay reduced or no benefit. We compare cancer definitions across policies to ensure you have the broadest cover possible.
Financial Security When You Need It

Ready to Protect Yourself Against Serious Illness?

Book a free consultation. We will tell you which insurer suits your circumstances,
what cover you actually need, and what it should cost.
Book Your Free Consultation