Critical Illness Cover

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What is Critical Illness Cover?

If you are diagnosed with a critical illness, such as cancer or a stroke, critical illness cover pays a lump sum which can pay off your mortgage or cover the costs of your care. We offer comprehensive advice on critical illness insurance.

As independent critical illness advisers, we can search the whole insurance market to find the products that best meet your needs at the most competitive premiums.

Reviewable or Guaranteed?

Reviewable policies have premiums that can alter at the policies review date (typically every 5 years), this means the premiums may increase in later life causing problems due to the higher costs.

Guaranteed policies have a fixed premium, this means the premium you pay at the start of the policy inception is the same throughout the term.

Whilst a reviewable policy is cheaper at first instance it leaves the insurance company in control, where a guaranteed policy gives you the control.

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Did you know:

  • You are 5 times more likely to suffer from a critical illness than to die before retirement.
  • It is estimated that 1 in 2 people are diagnosed in the UK with cancer in their lifetimes.
  • Breast cancer is now the most common form of cancer around 125 women in the UK are diagnosed each day.
  • There are more than 200 types of cancer, every 2 minutes someone is diagnosed with cancer in the UK.
  • Half of the people diagnosed with cancer now survive for more than 5 years.
  • Strokes have a greater disability impact than any other disease, 75% of people who suffer a stroke, survive – but 60% of those are coping with a disability.
  • Every 7 minutes someone will have a heart attack.