If you are diagnosed with a critical illness, such as cancer or a stroke, critical illness cover pays a lump sum which can pay off your mortgage or cover the costs of your care. 


We offer comprehensive advice on critical illness insurance and as independent critical illness advisers, we can search the whole insurance market to find the products that best meet your needs at the most competitive premiums.

Did you know:

  •  You are 5 times more likely to suffer from a critical illness than to die before retirement.
  • It is estimated that 1 in 3 people are diagnosed with cancer in their lifetimes.
  • Breast cancer is now the most common form of cancer around 125 women in the UK are diagnosed each day.
  • There are more than 200 types of cancer, every 2 minutes someone is diagnosed with cancer in the UK.
  • Half of the people diagnosed with cancer now survive for more than 5 years.
  • Strokes have a greater disability impact than any other disease, 75% of people who suffer a stroke, survive – but 60% of those are coping with a disability.
  • In the UK 750 people have a heart attack each day.

Typical Critical Illness Claims are as follows:

–  Cancer – 68%, heart – 13%, Multiple Sclerosis – 6%, stroke – 5%, child’s critical illness – 3%, brain tumour – 3%, others 2%.


Many policies are sold as reviewable policies; these are cheaper but can cause problems later in life if premiums are increased at a review.  A guaranteed premium policy puts you in control, not the insurance company.


Not all critical illness policies are as comprehensive in the conditions that are covered and it can be very difficult to understand the differences between different policies if you would like to discuss the difference in cost and quality of policies please contact us.


Our Independent Financial Advisers are usually happy to meet at our clients' preferred location and time and to have detailed initial discussions with no obligation.

Please contact us by calling 01949 836173 or email us on This email address is being protected from spambots. You need JavaScript enabled to view it.