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Get protection in case of critical illness
Critical illness cover can be added to any life cover or mortgage protection cover or it can stand alone. It covers you if you get diagnosed with a critical illness. Children can be added to this cover.
How we work
Many brokers will claim to offer ‘whole of market,’ but that may just mean that they offer every kind of product, but that they are all from the same insurer. Independent means that we can offer every kind of product from every insurer.
Benefits
- A single point of contact at all times
- Advice from as early in the process as you need
- Access beyond us to over 30 experienced advisors for the more obscure questions
- Access to every type of product from every insurer – we are truly independent
- By your side all the way – to the moment you move in and beyond
- Annual reviews at the very least
Why choose us
Sometimes it seems that there are almost as many financial advisors as there are financial products. Why should you choose us. We think there are many reasons of course, but among the most important are the following:
- We are truly independent and can access the whole of the market.
- We are advisers, not salespeople.
- We are transparent in our costs and fees.
- Our extraordinarily high rate of returning customers shows that people enjoy dealing with us.
This last is perhaps the most important. The proof of the pudding is in the eating. If we did not give our customers great service, they simply would not return.
Your personal and corporate protection specialist
Coran Stubbington
Coran worked as a bank manager for 20 years, on the South Coast and in London. She was made redundant in 2019, moved into the world of Business Development Management, joining Protection and investment in 2023. She is delighted to return to her roots to selling financial services, which is something she has done for 27 years. She specialises in protection, especially for business owners and teams, helping owners protect the business, themselves, their family and their staff. She has teenage twins – a boy and a girl – and a dog called Branston. She loves hosting events.
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Joe Bloggs, Managing Director
FAQs
What is the difference between Critical Illness cover and Terminal Illness cover?
Critical illness insurance pays out a lump sum if you are diagnosed with a specific, severe – but not necessarily fatal – medical condition defined in your policy (e.g., specific types of cancer, heart attack, or stroke). Terminal illness cover allows you to receive an early payout of your life insurance policy while you are still alive, because your condition is incurable and you are expected to pass away within a specific timeframe.
What illnesses are covered?
Most policies cover major life-altering conditions such as heart attacks, strokes, major organ transplants, and certain types of cancer. More comprehensive policies can include upwards of 50 distinct conditions.
Will it cover any stage of an illness?
No. Coverage depends heavily on the specific medical definition and severity outlined in your paperwork. For example, early-stage or non-invasive cancers might be excluded, or the policy might specify that a condition must cause permanent symptoms to trigger a payout.
What is a "survival period"?
To successfully claim, you must typically survive for a set period—usually 10 to 14 days—following your official medical diagnosis.
Is the payout taxable?
No, cash lump sums received from a critical illness policy are not subject to UK Income Tax or Capital Gains Tax.
How many times can I claim?
Standard critical illness cover pays out a single lump sum once, after which the policy completely ends. However, some modern providers offer tailored “serious illness” plans that allow multiple smaller tiered payouts if you suffer from different conditions over time.
Let’s talk about your financial goals
For a detailed, confidential and without-obligation discussion, please get in touch.
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