Protection planning
Critical Illness Insurance
This information provides a general appreciation of the topic and is not personal advice. Policy definitions, terms and exclusions vary by insurer.
Personal adviceA clear recommendation, built around your circumstances.
- Cover matched to real risks
- Options explained clearly
- Regular review support
What you need to know
How critical illness cover works
Critical illness insurance pays a lump sum following diagnosis of a specified critical illness covered by the policy. For personal policies, benefits are normally paid tax-free under current UK rules; tax treatment can depend on circumstances and may change. Conditions and claim definitions vary between insurers.
Cover is often added to life insurance, but it can also be arranged separately. Policies usually pay out only once and do not replace regular income. The proceeds can be used towards a mortgage, medical treatment, household costs or other priorities.
Review existing cover carefully
If you already have critical illness insurance, think carefully before cancelling it and taking out a replacement. A change in health since the original policy began could affect the cover available under a new plan, and pre-existing medical conditions may be excluded.
A lump sum following diagnosis of a specified critical illness covered by the policy. For personal policies, benefits are normally paid tax-free under current UK rules; tax treatment can depend on circumstances and may change.
Our process
How Can Our Team Help You to Reach Your Goals
- 01
Understand what matters
We look at the people, income, debts and business responsibilities your plan may need to protect.
- 02
Identify the gaps
Your adviser tests different scenarios to show where existing arrangements may leave you exposed.
- 03
Compare suitable cover
We explain the benefits, exclusions, costs and trade-offs so you can choose with confidence.
- 04
Keep the plan relevant
Protection should evolve with life and work, so we make it straightforward to review when things change.
Your advice team
Advisers with Protection expertise
Anandan Oliyath
Mortgage & Protection Adviser
Armstrong Mbazang
Mortgage & Protection Adviser
Bhim Bashyal
Mortgage & Protection Adviser
Bino Job
Protection Adviser
Helpful guidance
Read, plan and feel better informed
Ready when you are
Let’s make your next decision feel clearer.
Start with a straightforward conversation about where you are and what you want to achieve.
