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A lump sum on diagnosis
Critical illness cover pays a tax-free lump sum if you are diagnosed with one of the serious conditions the policy lists, such as certain cancers, a heart attack or a stroke. It buys time and takes money off the list of worries.
Advice that reads the small print
Quality over headline price
The cheapest policy often covers the fewest conditions. We weigh cover against cost properly.
Matched to your worries
If a condition runs in your family, we make sure the definitions are strong where it counts.
Claims made clearer
We explain what would and would not trigger a payout, so there are no false assumptions.
Money when you need to focus on getting better
A payout can clear or reduce the mortgage, cover time off work, adapt your home or simply keep the household running while you recover. The detail is in which conditions are covered and how they are defined, which is where advice earns its keep.
- Read the definitionsNot all policies cover the same conditions or to the same degree. We compare the wording, not just the price.
- Pair it with life coverOften taken alongside life insurance, sometimes as a combined policy, sometimes better kept separate.
- Children's cover includedMany policies include some cover for your children as standard, which matters to a lot of families.
Questions we hear a lot
Typically a defined list including certain cancers, heart attack and stroke, though the exact list and definitions vary by insurer. Comparing that wording is the main reason to take advice rather than buy blind.
No. Life insurance pays out on death. Critical illness pays out while you are alive, on diagnosis of a listed condition. Many people hold both, sometimes in one combined policy.
Many policies include a level of children's critical illness cover as standard. We will confirm what is included in any policy we recommend.
Handy next steps
Take the money worry off the table
Let us compare the cover properly so a serious diagnosis is not also a financial one.