Critical Illness Cover | Financial Support When It Matters

A critical illness policy can be a lifeline when it really matters

Critical illness cover can be a financial lifeline when serious health issues strike. With one in two people born after 1960 expected to develop cancer in their lifetime, a tax-free lump sum pay-out allows you to focus on recovery, not how to pay the bills.

Relying on Statutory Sick Pay (SSP), currently just £118.75 per week (2025/26), is rarely enough to cover essential costs like your mortgage, childcare, and everyday living expenses. Meanwhile, NHS waiting times and the cost of private treatment continue to rise, making access to additional funds even more crucial.

Critical illness cover can work alongside or instead of life insurance, offering vital protection if an illness is serious but not fatal, helping you and your family stay financially secure at a vulnerable time.

Critical Illness

Our Solutions

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"Search an extensive panel of lenders to find the right cover and insurer for your health profile.
Tailored protection—whether you need lump-sum cover, serious illness partial payments, or combined life & CI.
Trust advice to keep payouts outside your estate, avoiding probate and inheritance tax.
Fast applications—many policies issued within 48 hours, even quicker for straightforward cases.

...all managed through an easy 5 step process.

Step 1: Discovery call

We begin by identifying your financial liabilities, income protection needs, and any relevant health background.
Step 2: Product design

We compare quotes from an extensive panel of insurers and highlight those that are known to be more flexible with specific medical conditions.
Step 3: Application

We handle the full digital application and arrange any necessary GP reports.
Step 4: Underwriting & decision

We chase up insurers, respond to queries, and clarify details to move things forward.
Step 5: Policy activation & trust

Once approved, we issue your policy schedule and draft a trust to keep the pay-out outside of your estate—helping avoid probate delays.

Document Checklist

Passport or photocard driving licence
Proof of address (≤ 3 months)
NHS number and GP contact details
Existing life / CI policy schedules (if replacing)
Trust beneficiaries’ full names & dates of birth (if using a trust)

Bring these to your first meeting to avoid delays.

Expert Tips

Don’t cancel an existing CI plan until the new one is live

Later diagnoses or policy definition changes could leave you uninsurable or on worse terms.
Write the policy in trust

Keeps the lump sum outside your estate, speeds payment and avoids inheritance tax.
Check “additional-payments” lists

Some insurers pay up to £30k for early-stage cancers or less severe heart conditions without ending the main cover.
Review after life events

House move, new baby, business loan or significant salary jump.
Improve lifestyle before applying

12 smoke-free months or a healthier BMI can slash premiums.

Here to HELP

What lenders look for

Age & Health

Your age, BMI, and any relevant medical history.
Smoker Status

Smoking or recent cessation can significantly raise premiums.
Family History

Early cancers or heart disease may impact underwriting.
Occupation & Lifestyle

Hazardous jobs or risky hobbies increase costs.
Cover Amount & Term

How much protection you want and for how long.

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Critical & Serious Illness Cover