Protection

Plan for the Unexpected: Critical Illness Cover

A serious illness can change everything — not just your health, but your financial stability too. Critical illness cover provides a lump-sum payout if you’re diagnosed with a specified condition such as cancer, a heart attack, or a stroke. This money can help with medical costs, home adjustments, lost income, or simply keeping on top of everyday bills while you focus on getting better.

Being diagnosed with a serious illness can have a big impact on your life—emotionally, physically, and financially. Critical illness cover provides a lump-sum payment if you’re diagnosed with a specified condition such as cancer, a heart attack, or a stroke. This payout can help with medical costs, household bills, or any other financial commitments, giving you the breathing room to focus on your recovery without extra stress.

I know how important it is to choose the right level of protection, and I’m here to guide you through the options. I work with a wide range of providers to offer policies that cover a variety of illnesses, and I’ll help you find the one that best suits your circumstances. With the right cover in place, you can feel confident knowing you and your family are financially protected during difficult times.

1. What is Critical Illness Cover?

Critical Illness Cover pays out a lump sum if you're diagnosed with a serious medical condition listed in your policy. It’s designed to give you financial support during a challenging time.

2. What illnesses are covered?

Policies typically cover major conditions such as cancer, heart attacks, strokes, and other serious illnesses. The exact list varies between insurers, so we’ll help you compare what each policy includes.

3. Can I get Critical Illness Cover for my children?

Yes. Many policies offer optional or built-in children’s critical illness cover, providing protection for your family if your child is diagnosed with a covered condition.

4. Is Critical Illness Cover expensive?

The cost depends on your age, health, lifestyle, and the level of cover you choose. We can help you find a policy that fits your needs and budget.

5. What’s the difference between Life Insurance and Critical Illness Cover?

Life Insurance pays out if you pass away during the policy term, while Critical Illness Cover pays out if you’re diagnosed with a specified serious illness. Many people choose to have both for broader protection.

Traditional Life Insurance

Life insurance ensures your loved ones are financially protected after your death. It provides a lump sum to cover debts, living expenses, and future financial needs. We offer a range of life insurance options to suit your requirements, helping you secure peace of mind for your family’s future.

Income Protection

Income protection insurance is crucial if you face unexpected illness or injury that prevents you from working. This cover provides a regular income to help you maintain your lifestyle and meet essential expenses during periods of disability. We can help you find the best policy tailored to your needs.

Critical Illness Cover

Critical illness cover provides a lump sum payment if you’re diagnosed with a serious illness, such as cancer or heart disease. This financial support can assist with medical costs and other expenses, offering peace of mind during challenging times. Explore your options with our expert guidance.

Over 50s Cover

Over 50s life insurance offers guaranteed acceptance and a lump sum payout without requiring a medical exam. Designed for individuals aged 50 and over, this policy helps cover final expenses and leaves a financial legacy. Let us guide you in choosing the right policy for your needs.

Whole of Life Insurance

Whole of life insurance provides lifelong coverage with a guaranteed payout upon death. Unlike term policies, it offers peace of mind with its assurance of a payout regardless of when you pass away. Explore our options to find the best whole of life policy to meet your long-term financial goals.

Building and Contents Insurance

Building and contents insurance covers both the structure of your home and your personal belongings. This combined policy protects against risks like fire, theft, and damage, ensuring comprehensive coverage for your property.

Easily Navigate Your Mortgage & Cover

I specialise in providing clear, reliable mortgage and protection advice to make your financial journey easier. With expert guidance and recommendations tailored to you, I’ll help you secure the right mortgage, protect what matters most, and make confident long-term decisions.

Your trusted partner for mortgages and protection, here to help you stay organised, secure, and confident in every financial decision. If you’d like to make your mortgage and protection journey simple and stress-free, just get in touch—I’m here to help.

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