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If you were diagnosed with a serious illness tomorrow, would you have the financial cushion you need? That’s where Critical Illness Cover comes in.
Critical Illness Cover is a type of insurance that pays out a tax-free, lump-sum cash if you are diagnosed with a serious illness listed in your policy - such as cancer, a heart attack, or a stroke.
Serious illness can strike unexpectedly and disrupt your income just when expenses are highest. Critical Illness Cover offers a financial safety net to help cover your household bills, mortgage, other living costs or modifying your home (e.g. adding a ramp) while you focus on recovery, without worrying how to keep up with everyday costs.
It’s designed to provide financial support when your health prevents you from working, giving you and your family one less thing to worry about. It’s about protecting your lifestyle – and your peace of mind – when life takes an unexpected turn.
Life Insurance pays out upon your death to your beneficiaries.
Critical Illness Cover pays out upon your diagnosis of a covered illness while you are alive.
Often, you can purchase Critical Illness Cover as a rider (add-on) to a life insurance policy or as a standalone policy.
Anyone who would face financial hardship if they lost their income due to a serious illness should consider this cover. This is especially true for:
Mortgage Holders: To ensure your home loan can be paid off.
Parents/Guardians: To protect your family's lifestyle and children's future education.
Self-Employed Individuals: Who lack an employer-sponsored sick pay scheme.
Getting Life Insurance Shouldn’t Be Complicated. We’ve Made It Easy — Three Simple Steps.
Answer a few easy questions so we can find plans that match your lifestyle and needs.
A friendly expert connects with you to go over your best-fit options — clear, simple, and tailored to you.
Relax knowing your decision is 100% yours. Our help is free, confidential, and with no obligations.
We know life insurance can feel complicated, so we’re here to make things simple and stress-free. Here’s what you can expect:
Absolutely. One of our friendly experts will give you a call to answer your questions and help you explore the best options for your situation. They’ll take the time to understand your needs and assist what truly fits you and your family.
Of course. You’ll have 30 days after taking out your policy to cancel it — for any reason — with no penalties or hassle.
*From £10 per month for Life Insurance & Critical Illness Cover
is an example based on the following pricing illustrations.
*From £10 per month Life Insurance and Critical Illness Cover quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 7th February 2025.
| Age & Year Born | Term of Cover | Total Sum Assured | Provider |
|---|---|---|---|
| 30 (born in 1995) | 20 years | £33,789 | Aviva |
| 35 (born in 1990) | 20 years | £24,055 | L&G |
| 40 (born in 1985) | 15 years | £19,269 | Aviva |
| 45 (born in 1980) | 15 years | £14,362 | Aviva |
| 50 (born in 1975) | 10 years | £11,522 | Aviva |
| 55 (born in 1970) | 10 years | £6,663 | L&G |
| 60 (born in 1965) | 10 years | £5,293 | Aviva |