Critical Illness Cover provides a financial safety net if you are diagnosed with specified serious illness covered by your policy. Payouts can help cover mortgage repayments, household bills, medical expenses, or lifestyle adjustments during a challenging time. It is a personal protection product, not an investment, and pays out only if the specific conditions listed in the policy are met.
We provide clear, tailored advice to help you determine the type and level of cover suitable for your circumstances. This may include standalone critical illness policies or cover attached to a life insurance policy. Recommendations are made in line with FCA regulations and take into account your income, financial commitments, and future plans.
It is important to understand that critical illness policies have terms, conditions, and exclusions that could affect a claim. We ensure that you are fully informed about these factors, the costs involved, and how the policy integrates with your wider financial planning. Regular review may be recommended to ensure the policy continues to meet your needs.