Critical Illness

The emotional and financial consequences of being diagnosed with a critical illness will have a significant impact on your life.  The reason for having critical illness is to alleviate the financial side of things and hopefully allow you to take time off from work to make a full recovery.

The majority of insurers will cover in excess of 45 conditions/illnesses that can and do happen to people every day.  The most common claims on this type of insurance are for:

  • Cancer
  • Parkinson’s disease
  • Multiple Sclerosis
  • Heart attack or stroke
  • Children’s critical illness


No two insurers are the same and our expertise can guide you through the types of cover available and arrange suitable insurance at a price that you are comfortable with paying.

Added benefits

Some insurance providers now have expanded the services they provide if you take a policy out with them.  So not just a case of having the insurance, the following are examples of some additional features that are provided with some insurance policies.  Some are included within the price of the insurance, some insurers charge a small additional monthly fee for them.

  • Virtual GP – 24/7 access to virtual GP consultations by qualified, experienced, NHS practising doctors delivered through a suite of digital tools for your client’s convenience from anywhere in the world.
  • Second medical opinion service – For clients experiencing symptoms or having been diagnosed with a medical condition, regardless of severity, they may need or wish to seek a second medical opinion.
  • Mental health support – Insurers offer a number of different channels for clients to access mental health support, from face to face appointments through to online consultations. The last two years have changed the way many of us access healthcare, with technology increasingly being used to facilitate virtual appointments with a medical practitioner. Having said that, many people still prefer in person appointments and the ability to talk openly to someone face to face.
  • Physiotherapy support –  there’s a diverse range of physiotherapy support offered by a number of insurers, all of which can provide significant extra value and give clients access to benefits and services they can use at any time, regardless of whether they’re in claim.

Types of insurance available

Level Terms Assurance:

Level Term Assurance pays a predetermined lump sum in the event of death during the duration of the policy. Set up for a specific amount at the outset that will remain the same throughout the duration of the policy – hence the name level.

Decreasing Term Assurance:

Decreasing Term Assurance is similar to Level Term Assurance, but the benefit gradually decreases over the term of the policy. These policies are designed as cover for a repayment mortgage, or other loans where the amount of capital outstanding also decreases over time. Because the benefit reduces over time, the premiums are kept very low.

Family Income Benefit:

Family Income Benefit is the hidden gem of insurance that not many people are aware of.  As the name suggests they are most suitable for people who have children.

Instead of paying a lump sum upon death, it will pay a regular monthly tax-free income in the event of death to your dependents up until the end of the term of the policy. We would normally structure it to coincide with your youngest child reaching an age where they should be self-sufficient. 

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