020 8668 6080

Protection

Critical illness cover

Critical illness cover can pay a lump sum if you meet the policy definition for a covered condition. We explain what may be covered, common exclusions, policy options and costs so you can decide what level of cover may suit your needs and budget.

If the worst happens and you're diagnosed with a serious illness, it's important to make sure you're covered against the financial impact it could have on your family.

A family spending time together at home
Protection advice that keeps what matters most to your family secure.

Critical Illness and Serious Illness insurance policies pay out a cash lump sum when you are diagnosed with a particular illness or suffer injury from a serious accident. In the event of your diagnosis, money paid out from a Critical Illness policy could be used to help maintain your standard of living, pay off your mortgage and, if needed, pay for private healthcare.

Leading UK InsurersLife and protection policies compared
Protection TrustsHelp with standard provider trust forms
Bespoke AdviceCover built around your family and home

How it works

Starting your protection journey with us

Protection advice is about understanding what would need to be paid for, and making sure the right policy is in place to do it.

  1. 01

    Needs assessment

    We look at your family, income, mortgage and any cover you already hold, to work out what would need protecting, for how much and for how long.

    A clear picture of the cover you need
  2. 02

    Research appropriate insurers

    We compare policies from leading UK protection insurers, looking at the definitions, exclusions and options that matter for you as well as the premium.

    Suitable insurers shortlisted
  3. 03

    Recommendation and application

    We explain our recommendation in plain English, including what is and is not covered, and complete the application with you.

    Recommendation explained, application submitted
  4. 04

    Underwriting and cover on risk

    We deal with the insurer's underwriters, including any medical questions or reports, until the policy is accepted and your cover starts.

    Your cover is in force
  5. 05

    Policy trust forms and review

    Where appropriate, we can help you complete standard provider trust forms for a protection policy. We're not authorised to provide tax advice; you should speak to a tax professional. We can also review your cover when your circumstances change, such as a new home, a new baby or a new job.

    Cover kept in step with your life

Ready to take the first step?

Your initial consultation is without obligation. Speak with an adviser in Croydon or over Zoom.

020 8668 6080

Discuss critical illness cover

We can help you understand what critical illness cover is designed to do and how it may fit with your budget.

Call us on 020 8668 6080