secure your family's future
Life & Critical Illness Insurance
Offering comprehensive protection to policyholders, providing financial security for both the event of their death and/or the diagnosis of a covered critical illness.
Life is unpredictable, and protecting your family’s financial future is of utmost importance. We understand the significance of securing your loved ones against life’s uncertainties. We are dedicated to providing you and your family with the best possible protection and peace of mind.
Comprehensive Life Insurance Coverage:
We offer a range of comprehensive life insurance plans designed to suit your unique needs. Whether you are just starting a family, planning for retirement, or simply looking to safeguard your loved ones’ financial stability, we have a plan that meets your requirements. Our life insurance policies offer a lump sum payout to your beneficiaries in the event of your passing, ensuring they are taken care of financially when you’re no longer there.
Critical Illness Protection:
In addition to life insurance, we offer critical illness insurance to provide an extra layer of security. Critical illnesses can strike unexpectedly and have a profound impact on your life and finances. Our critical illness insurance plans provide a tax-free lump sum payout upon the diagnosis of a covered critical illness. This financial support allows you to focus on your recovery without worrying about the financial burden.
Tailored Coverage to Meet Your Needs:
We understand that every individual and family has unique circumstances. Our experienced insurance experts will work closely with you to understand your specific requirements, lifestyle, and financial goals. With this knowledge, we can tailor a life and critical illness insurance package that perfectly fits your needs and budget.
Competitive Rates and Unbiased Advice:
As an independent insurance broker, we work with a wide range of reputable insurance providers in the UK. This enables us to offer you competitive rates and unbiased advice. Our focus is on finding the best insurance solution for you, not the insurance company.
Hassle-Free Claim Assistance:
In times of need, our dedicated claims support team is here to guide you through the claims process with empathy and efficiency. We understand that making a claim can be a challenging time, and we’re here to support you every step of the way.
The key features of Life & Critical Illness insurance can vary depending on the specific plan and provider. However, there are some common key features that you can expect to find in most policies:
Life Insurance Coverage: Life & critical illness insurance includes a life insurance component, providing a lump sum payout to your beneficiaries upon your death during the policy term. This payout helps your loved ones maintain financial stability and cover expenses after you are gone.
Critical Illness Cover: This insurance offers critical illness coverage, providing a tax-free lump sum payment if you are diagnosed with a covered critical illness during the policy term. This financial support allows you to focus on recovery without worrying about the associated costs.
Comprehensive List of Critical Illnesses: Life & critical illness insurance typically covers a wide range of critical illnesses, such as cancer, heart attack, stroke, major organ transplants, and more. The policy document specifies the exact illnesses covered, and the severity criteria for each condition.
Flexible Use of Critical Illness Payout: The lump sum payout received upon the diagnosis of a covered critical illness can be used as you see fit. It can cover medical treatments, ongoing care, lifestyle adjustments, mortgage payments, debts, or any other financial needs during your recovery period.
Customizable Coverage: Insurance providers offer customizable policies, allowing you to tailor the coverage amount, policy term, and additional riders based on your specific needs and financial goals.
Waiver of Premium: Some life & critical illness insurance policies may include a waiver of premium benefit. If you become critically ill and are unable to work, this feature ensures that your premiums are waived during the critical illness coverage period.
Renewable and Convertible Policies: Some policies may be renewable, allowing you to extend your coverage beyond the initial term. Additionally, certain plans may be convertible, enabling you to convert the critical illness coverage into a permanent life insurance policy without the need for additional medical underwriting
Simply get in touch – Feel free to email or call and one of our team will be on hand to assist.
Alternatively you can complete the contact form (with our contact information below). Here you can specify your requirements, a preferred time & contact type – we will receive this in the office and one our advisors will be in touch as requested.
meet our panel
A selection of the insurers available to us, allowing us to offer expert independent advice to meet your insurance needs.