Critical Illness Cover

Quite often you hear ‘it could never happen to me’ or ‘I’ll sort it out later’. Well the old maxim of “failing to plan is planning to fail” is no better suited to the ignoring of crucial decisions on protection.

Did you know?

  • There are around 293,600 new cases of cancer diagnosed each year in the UK and there are more than 200 types of cancer.
  • More than 30,000 people have heart surgery in the United Kingdom each year. The national survival rate for all types of heart operation is 96.6%.
  • Source Care Quality Commission 2007 As many as 100,000 people in the UK are estimated to have multiple sclerosis.
  • It is the most common condition of the central nervous system affecting people between the age of 20 and 40.


What is it?

A Critical Illness plan is designed to pay out a lump sum on the diagnosis of certain specified illnesses. It is often ‘bolted on’ to a life assurance policy as an additional benefit but can also be a standalone plan.


Who is it for?

This type of plan is designed for those individuals or families whom want a lump sum if they are diagnosed with a serious illness. As an example of where this lump sum could be used is to repay a loan, mortgage, or perhaps pay for time off work. The lump sum could even be used to pay for any necessary alterations to your home.

The quality of cover and the illnesses covered can vary significantly between different providers. As Independent Financial Advisors we can help you find the plan that best meets your requirements.

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This site is only directed at persons within the UK. Calls may be recorded for training and monitoring.