Critical Illness

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Critical illness insurance pays out when one of the specified critical illnesses occurs. For example, following a heart attack, stroke, cancer or some other specifically defined critical illness.

Cover is for a set term, which may be equal to a mortgage term, or for when children have grown up, until retirement, or until another life stage milestone is achieved. It may be worth considering having one policy for a set term to cover the mortgage and another that will provide money to help provide for your different lifestyle if a serious illness happens.

Most people choose a lump sum to be paid out. There is the option of receiving the payout as a set income over the term remaining, which is often a lower-cost option.

Warning Text

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IF THE POLICY HAS NO INVESTMENT ELEMENT THEN IT WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.

THE POLICY MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. FOR DEFINITIONS PLEASE REFER TO THE KEY FEATURES AND POLICY DOCUMENT.

Stacey H.

Excellent support, guidance and help from the team. I knew nothing about how to buy a house but the team were so helpful and helped me feel at ease! I completed on my home far quicker than expected and it wouldn’t have been possible without the help of the team. Fantastic guidance as well on arranging home insurance and life insurance, an extra level of support I didn’t expect to receive.

Leon J H.

Brilliant experience will highly recommend this was a really good and really fast process and will use again in future, with being in the army time was very difficult and they was really supportive and time efficient on getting in touch and understanding when I was busy with being overseas, Carnt thank them enough now I have my own home Thankyou

Jayne H.

Claire and her team were brilliant helping us with our mortgage. I would highly recommend them to anyone and will continue to use their services.

Gaz P.

Excellent service, one phone call and everything was sorted, no hassle, no stress. Highly recommended.

Craig C.

Would definitely recommend this service as through our experience, they were just a call away to answer any questions we had and always put our best interests first. They kept us at ease as we were very nervous going through the house buying process but they always up to date and explained everything very well.