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FCA-Authorised Advisers | Whole-of-Market Access
We can find you the most suitable Critical Illness Cover Policy that protects you and your family - with expert guidance and no fees.
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This provides a one-off tax-free lump-sum payment in the event of a serious illness like cancer, or permanent disability caused by injury, or in the event of your death during the fixed term of the policy. This is the most popular type of Critical Illness policy. Read more
Critical Illness Cover with Life Insurance protects families from financial hardship by paying out a one-off lump-sum if the policyholder suffers a serious illness like cancer or a stroke, or a permanent disability caused by injury, or if they die during the term of the policy.
The money can be used to pay off mortgages and other outstanding debts as well as providing a source of income for everyday living.
Premiums are paid monthly and the cover is set for a fixed period of time, often for the length of a mortgage or up to the age of retirement. The amount of Critical Illness Cover varies according to how much you can afford and how much cover you think you need to pay off debts and provide day to day income.
The cost of the insurance is affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits. UK Insurers offer an increasing list of specific illnesses which they will cover beyond the most common like cancer, heart disease and strokes, but each insurer has their own list, and therefore if there is a history of a certain illness in the family, some insurers may provide better cover than others.
UK Insurers offer an increasing list of specific illnesses which they will cover beyond the most common like cancer, heart disease and strokes, but each insurer has their own list, and therefore if there is a history of a certain illness in the family, some insurers may provide better cover than others.
This provides a one-off tax-free lump-sum payment in the event of a serious illness like cancer or permanent disability caused by injury during the fixed term of the policy. Read more
Critical Illness Cover protects families from financial hardship by paying out a one-off lump-sum if the policyholder suffers a serious illness like cancer or a stroke, or a permanent disability caused by injury during the term of the policy. The money can be used to pay for medical treatment or rehabilitation or pay off mortgages and other outstanding debts as well as providing a source of income for everyday living.
Premiums are paid monthly and the cover is set for a fixed period of time, often for the length of a mortgage or up to the age of retirement. The amount of Critical Illness Cover varies according to how much you can afford and how much cover you think you need to pay off debts and provide day to day income.
The cost of the insurance is affected by various factors including the sum to be insured, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.
UK Insurers offer an increasing list of specific illnesses which they will cover beyond the most common like cancer, heart disease and strokes, but each insurer has their own list, and therefore if there is a history of a certain illness in the family, some insurers may provide better cover than others.
This provides monthly tax-free payments in the event that you cannot work due to long-term sickness or disability. For most policies, these payments can last to retirement age if necessary, and multiple claims can be made provided premiums continue to be paid. Read more
Income Protection Insurance pays out a sum of money every month in the event that you are unable to work due to sickness or injury. The money can be used to cover your regular expenditure like mortgage payments, household bills and other living expenses.
Premiums are paid monthly and the cover is set to pay-out for a period of time, either short term (1-5 years) or up to the age of retirement. The amount that the income protection policy will pay out every month is typically limited to 65% of your monthly salary or income.
The Premiums are affected by various factors including the monthly sum insured, salary, existing health conditions, lifestyle issues like smoking and high BMI, age, occupation and any regular dangerous pursuits.
A good way to reduce the cost of the premiums is to defer when the policy pays out after a claim is registered. It is worth considering whether your employer offers any sickness benefits or whether you have any savings to extend the deferment period.
For free advice, speak to a UK based adviser on
0333 987 3960* (9am-5pm Mon-Fri)
The quotation service is provided by an FCA-authorised insurance specialist
A heart attack, stroke or cancer diagnosis changes everything, and without proper Critical Illness Cover in place, families face impossible choices about everyday expenses. You risk:
Get the Critical Illness policy that protects what you’ve built.
Every insurer has their own list of covered illnesses and definitions. We understand it can be challenging to find impartial guidance from an adviser who puts your needs first. That’s why British Life connects you with advisers who help you understand what triggers a valid claim so you can choose the Critical Illness Cover that best suits your needs.
James Stait,
British Life
You’ve worked hard to build a stable life for you and your loved ones. A heart attack, cancer diagnosis or stroke shouldn’t destroy everything you’ve created. Yet without proper Critical Illness Cover, that’s exactly what could happen.
British Life connects you with FCA-authorised advisers who specialise in Critical Illness Cover across the UK. They work with the whole market to secure policies that will cover what you actually need. Your adviser can explain which illnesses are covered and what specifically triggers a valid claim, ensuring there are no nasty surprises about what you’re really protected against.
Imagine the peace of mind that comes with knowing your family is financially protected if serious illness strikes. Your mortgage will be covered, and your loved ones’ security will be intact.
Our service is completely free. The advisers we connect you with are paid by insurers, but only once they’ve secured appropriate cover for you. As for your monthly payments, Critical Illness Cover costs vary based on your age, medical history, lifestyle (smoking status, BMI), the amount of cover and the policy term. Coverage is typically available up to a maximum age set by each provider. Your adviser works within your budget to find suitable cover.
Most Critical Illness Cover specifically includes major conditions such as cancer, heart attack, stroke, kidney failure and multiple sclerosis. Many also include terminal illness cover and children’s Critical Illness Cover. Each insurer has their own list of covered illnesses and definitions. For example, some cover low-grade prostate cancer, while others don’t. Your adviser can explain which providers offer the best cover for the illnesses that concern you most based on your circumstances and family medical history.
Some providers let existing customers add Critical Illness Cover to an existing life insurance policy, but this depends on your current policy type and provider. Your adviser can review your existing arrangements and explain whether it makes more sense to add cover or take out separate policies. Often a joint policy combining life cover and Critical Illness Cover offers better value than the extra cost of separate policies.
Once you’ve started your quote, you’ll receive a call from one of our FCA-authorised advisers to finalise your requirements. We’ll then present you with the best options for your needs and budget, selected from the whole UK market. Your adviser will help you understand the amount of cover you need, which illnesses different providers cover and how to structure your policy to maximise value for your family.
You’ll receive important policy documents directly from the insurer that issues your coverage. They’ll explain exactly which illnesses are covered and the specific criteria required for a successful claim. By allowing us to connect you with an adviser, you improve your chances of making a valid claim should the need arise. The advisers will ensure you understand the eligibility criteria and that your medical questions are answered honestly during underwriting.
It is possible to be protected with a life insurance or critical illness policy within 20 minutes provided the insurer does not require a GP report or medical.
A GP report or medical is normally required for large amounts of cover (over £400,000), or if your BMI is over 30, or you have any significant ongoing or past medical issues, or if you are involved in dangerous job or high risk hobby.
Find out how much cover you might need by using our simple online calculator. It will take into account your outstanding mortgage, any loans or credit cards, your monthly income and how many children you have.
Ultimately the right amount of cover is often a balance between what might be an ideal figure and what you can sensibly afford.
We have tracked down the very best protection insurance advisers in the UK to ensure you have access to great advice and the best products from the leading insurers.
Instead of pushy sales people, our advisers offer a more personalised service to guide you through the process and ensure you enjoy lasting peace of mind by making an informed choice.
Outstanding service and knowledgeable customer service rep. I received a call as promised in my email. Marie was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.
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