Critical Illness Insurance

Helps you cope with the (often significant) financial consequences of being diagnosed with one of the illnesses or conditions listed in your policy,  providing peace of mind, especially if you’re a breadwinner

Critical Illness Insurance: Protecting the Golden Goose – you

A while back, I shared a story about a 46-year-old man I knew and is happy that I share his story.


He is a father to a wife and 3 children. It's a typical lifestyle. He did a bit of exercise, went for a bike ride, and played golf. He was suddenly struck with chronic back pain that lasted for over a week. He was hospitalized twice during this period for further investigations.


He was eventually diagnosed with mycotic aortic neurism at the end of that week. This was a serious condition and kept him in hospital for quite some time.

He was in hospital for much longer than he wanted. He was finally released from hospital after graft surgery and taking more antibiotics than may be necessary. It took much, much longer for a full recovery than he expected.


Having survived a life changing event, what does the lump sum paid mean to him? "Critical illness cover gave me financial buffer that I could use however I needed it, freeing me up to concentrate on getting better."

What is critical illness insurance and do I need it?

Critical Illness Insurance provides a plan that pays a lump sum tax-free if you are diagnosed as having one of the potentially life-altering illnesses.


Apart from the obvious impact on your health, financial well-being is the most important risk when you are diagnosed with a critical disease. Because a critical diagnosis often means that most people will have to take time off work and may lose their income or need to care for others, this is a major risk.


You could be unable to provide for your family financially. If your child is critically ill, the same applies.


Unexpected consequences can also be associated with a critical diagnosis. Medical bills and other expenses incurred during your recovery or treatment. Your mortgage payment will also need to be made.


The likelihood of you not being covered for critical illness will differ from person to person depending on your personal circumstances. The most common reason is that you have a health problem. If your condition is not serious, it shouldn't be a problem. If you have a moderate one, you can still get insurance. However, the premium may be higher to account for the higher risk you pose to the insurer.


The question is, if a portion of your household income were lost or unexpected expenses arose as a result of your diagnosis, how would you manage to maintain your standard of living?

Why discuss your critical illness planning  with impartial professionals?

Comparing insurance comparison websites to find the best critical illness insurance can be a great place to start. However, if you don't have the patience and time to read the terms and conditions of each policy, you might end up with an incorrect policy. You can get the best coverage for your unique circumstances by seeking out professional financial planning advice such as ours.


Are you looking for critical illness coverage but aren't sure where to begin when searching through insurance companies? We can help you make an informed, confident decision about what type of critical illness insurance is most suitable: how much cover you need, how long it should last, and whether critical illness and life insurance should be combined.


We are able to provide tailored advice using our vast knowledge and experience. This will ensure that your family is not left in the dark if you become ill.

You will receive the expertise to help you with all aspects of your insurance needs, including a strategy that works, research, a personalised recommendation and claims support.

We aim to provide you with tailored critical illness insurance solutions for the most competitive premiums based on your individual circumstances.

 Get cover in 3 easy steps:

Critical Illness insurance check up

Tell us about your specific needs, finances and circumstances, so we can work with you to discover your Critical Illness Insurance requirements.

Impartial advice on what you need

Clear action plan on what type of cover you might require, for how long, and why.

The right insurers to cover you

Receive a recommendation that suits your unique circumstances.

Ready to get started?

Whether you already have insurance or would like to explore more possibilities for your family protection, our insurance review is a great way to take the next step.

Call 02895 575010 or 0141 291 5044 or send us a message using the form below and we’ll tend to your enquiry right away.