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Critical Illness Cover

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  • Get free Critical Illness advice from our partner LifeSearch, the UK’s most awarded Protection Adviser
  • Critical Illness Cover protects against illnesses that have a severe impact on your life
  • Compare details of Critical Illness Cover below or view Life Term policies
  • LifeSearch will tailor policies to individual circumstances and where appropriate offer combined life & critical illness cover
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Life insurance is important to consider for anyone with children or other family members who depend on them financially. There are many different types of cover that allow the policyholder to ensure the cover they take out suits their specific needs.

Who is LifeSearch and what do they do?

LifeSearch is the largest, highly award-winning telephone-based protection insurance adviser in the UK. LifeSearch pledge to give you honest, unbiased advice, to find the right type of Life Insurance and protection policy for you, and to get you the most competitive premium possible. We work with LifeSearch as they are an independent life insurance adviser to help our customers find the right insurance for them. When someone buys life insurance from LifeSearch via, LifeSearch pay us a fee.

What is Critical Illness Cover? What I am covered for?

Critical Illness Cover protects against illnesses that have a severe impact on your life. All Critical Illness Cover includes the main critical illnesses people suffer from in the UK - coronary artery bypass, major heart attack, kidney failure, major organ transplant, multiple sclerosis, stroke and a defined set of specific cancers. Most good policies cover more illnesses, and these vary between insurers.

When does Critical Illness Cover pay out?

Policies pay on valid claims where the diagnosed illness matches the definition in the policy. It provides a tax-free cash lump sum.

What is the difference between Critical Illness and Terminal Illness?

Terminal Illness Benefit is a benefit included in Life Insurance. It pays out the 'Death Benefit' at the point you're diagnosed with a terminal illness rather than on death.

Critical Illness Cover is a different kind of cover that protects you if you're diagnosed with one of the critical, but not necessarily fatal, illnesses during the length of your policy.

Are my children covered?

Good policies will protect your children too. If your child is diagnosed with one of the listed illnesses, a partial payment could be made. The money can be used to provide financial support at a very difficult and upsetting time.

All advice is provided by LifeSearch. LifeSearch Limited is an Appointed Representative of LifeSearch Partners Limited and regulated by the Financial Conduct Authority.