Critical illness cover

Our Methods

4 Tips to Prepare

for Your Quote

Your Health

Insurers look at your medical history and any existing conditions. Being clear and accurate helps ensure you get the right level of cover and a fair premium.

Your Occupation

Some jobs carry more risk than others. Your occupation helps insurers assess the likelihood of a claim and can influence your premium.

Your Age

Younger applicants usually pay less, so securing cover early can help lock in lower long-term costs.

Your Lifestyle

Smoking, drinking, or high-risk hobbies can affect your premium. Your lifestyle helps insurers understand your overall risk level.

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Financial protection when it matters most

Critical Illness Cover provides a lump-sum payment if you’re diagnosed with a serious illness listed in your policy. It’s designed to ease financial pressure at a difficult time, helping you focus on treatment and recovery rather than money worries.

This type of cover can act as a valuable safety net for you and your family — supporting living costs, mortgage payments, or any adjustments you may need to make to your lifestyle.

With access to a panel of leading insurers, we’ll help you find critical illness cover that fits your needs and budget.

Expect a seamless, straightforward, and stress-free journey.

Whether it’s getting the keys to your dream home or arranging the right protection, we keep every step simple and stress-free — from enquiry to completion and long after.

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FAQ's

Frequently Asked Questions

1. What is Critical Illness Cover?

Critical Illness Cover pays out a lump sum if you're diagnosed with a serious medical condition listed in your policy. It’s designed to give you financial support during a challenging time.

2. What illnesses are covered?

Policies typically cover major conditions such as cancer, heart attacks, strokes, and other serious illnesses. The exact list varies between insurers, so we’ll help you compare what each policy includes.

3. Can I get Critical Illness Cover for my children?

Yes. Many policies offer optional or built-in children’s critical illness cover, providing protection for your family if your child is diagnosed with a covered condition.

4. Is Critical Illness Cover expensive?

The cost depends on your age, health, lifestyle, and the level of cover you choose. We can help you find a policy that fits your needs and budget.

5. What’s the difference between Life Insurance and Critical Illness Cover?

Life Insurance pays out if you pass away during the policy term, while Critical Illness Cover pays out if you’re diagnosed with a specified serious illness. Many people choose to have both for broader protection.

We provide reliable, flexible protection and mortgage solutions designed to give you complete peace of mind. Our goal is to secure your future and support your journey—so you can focus on what truly matters.