Mortgage and Bills
Keep up with mortgage payments, household bills, and other financial commitments when you can’t work or need to reduce your hours.
Critical Illness Insurance
When serious illness strikes, we believe you should focus on getting better, not worrying about money. Critical illness insurance gives you a tax-free lump sum to help with whatever you need most during a difficult time.
This information is for guidance only and does not constitute financial advice.
Critical illness insurance guide
When the unexpected happens
No one plans to get seriously ill, but statistics show that 1 in 2 people will face a cancer diagnosis in their lifetime. Critical illness insurance doesn’t prevent these things from happening, but it can remove the financial pressure when you need to focus on getting better. The tax-free payout can help with anything from mortgage payments to private treatment.
What critical illness insurance covers:
- Heart attack, stroke, and cancer – the three most common claims
- Major organ transplants and serious neurological conditions
- Around 50+ conditions depending on your chosen policy
- Children’s cover often included automatically
- Some policies offer partial payments for less severe conditions
- Total permanent disability may also be included
Covers the most common serious illnesses including heart attack, stroke, and cancer. These three conditions account for around 80% of all critical illness claims, providing essential protection at a lower cost.
Covers 50+ conditions including rarer illnesses, neurological conditions, and partial payments for less severe diagnoses. More expensive but offers wider protection for peace of mind.
Critical illness cover on its own, allowing you to choose exactly the amount and term you need. Often preferred when you already have life insurance or want maximum flexibility.
Critical illness cover added to your life insurance policy as an additional benefit. Usually costs less than separate policies and simplifies your protection arrangements.
What you can use the money for
Home Modifications
Adapt your home for wheelchairs, install stairlifts, or make other changes needed for your condition.
Private Treatment
Access private healthcare, specialist treatments, or experimental therapies not available on the NHS.
Lost Income
Replace lost earnings when you can’t work, helping maintain your family’s standard of living during treatment and recovery.
How we help
We understand that financial decisions feel heavy because they affect everything that matters to you. Our job is to make them lighter, clearer and easier.
Testimonials
Trusted by families when it matters most
We've helped hundreds of families find critical illness cover that gives them peace of mind when facing life's uncertainties.
How can we help protect your family?
Tell us about your protection needs
Share your concerns and what you're hoping to protect, and we'll explain your options clearly.