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Since 2006 we have helped 339,601 people compare Protection Insurance quotes.
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Now’s the time to protect your loved ones - Prices have never been cheaper.

Let's help guide you through the options and find the best deal for your circumstances.

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Since 2006 we have helped 339,601 people compare Protection Insurance quotes.
We would love to do the same for you...

Could combining life insurance and critical illness cover in one policy be the right choice for you?

If you already know a few things about protection insurance and how it could help give peace of mind to you and your loved ones, a single policy that combines life insurance with critical illness cover might seem, in many ways, to be the perfect blend of protection.

After all, it would appear to cover the essential bases. The critical illness part of such a policy could directly protect you, by paying out a lump sum in the event of you suffering from a serious health condition specified in the policy, such as a stroke or cancer.

As for the life insurance part of such a policy, this could help protect your loved ones, by providing them with a lump sum if you were to pass away. This would give you the reassurance that your family - including dependents such as children - can be well looked-after once you are no longer around.

But aren’t critical illness cover and life insurance essentially the same thing?

This might be one of the biggest reasons why a lot of people don’t do a life and critical illness cover comparison with the help of a site like QuoteLifeCover; they wrongly believe that these two types of protection insurance are basically the same thing.

But as we’ve detailed above, the two types of cover actually exist for two very different situations.

Yes, there is overlap between the two, in that they can both help relieve financial pressure in the wake of a significant future life event. But critical illness cover is really about protecting you while you are still alive, by paying out a lump sum to give you fewer financial worries while you focus on treatment and recuperation.

That’s as opposed to life insurance, where it would really be your beneficiaries - rather than you, directly - who would benefit from the policy paying out. That money could enable your dependents to cover the costs of such things as the remaining payments on the family mortgage, and give them a source of income for everyday living.

Is there anything else I need to know about combined life and critical illness insurance policies?

As always with any kind of protection insurance, it is crucial to pay close attention to the specific terms of a given policy, and its implications for you and your family, before you purchase it.

It is worth bearing in mind that when you have a combined life insurance and critical illness insurance policy, you will normally be restricted to one payout on that policy. So, if you were to claim on the critical illness cover, it wouldn’t be possible for your family to claim on the life insurance part later.

You will also need to consider a wide range of other factors when you are undertaking a life and critical illness cover comparison to determine what kind of policy would best suit you and your household.

That will include consideration of exactly what is and isn’t covered in the particular policy, as well as the length of the term, whether the policy is on a level or decreasing term, and how much you are prepared to pay.

Bear in mind that if you are likely to be deemed a &lquo;high-risk’ customer by insurers - perhaps due to factors like being a smoker, or having a family history of heart attacks - there is a good chance that you will be charged higher premiums than those who do not present such risk factors.

If the above all sounds a bit overwhelming, it doesn’t have to be! Give our own UK advisers at QuoteLifeCover a call now, on 0800 316 6917, and you will be able to benefit from no-obligation advice and guidance, as well as a free quotation service, if you decide that you do wish to buy straight away. With our help, we can guide you towards the best-suited policy for your needs.

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best 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.

Get Insured within 20 Minutes

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.

Calculate Your Cover

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.

Calculate your cover here

Personal Service

We have tracked down the very best protection insurance advisers in the UK to ensure you have access to best 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.

Read What Our Customers Think of Us

Five Stars (4.9)

Great communication, help and guidance.

All my questions were answered, as I know little on how life cover, critical illness and terminal insurance policies work.

I was given good independent advise, so I could confidently make my choice on what was right for me.

- Denise

Clear, friendly, efficient and prompt service.

No nonsense, no jargon, just clear and informative guidance. Very quick with results which did not disappoint. Delighted with my deal which was a third cheaper than my own bank offered me and I didn’t do any of the legwork. More than happy to recommend.

- Ms Shannon

I found the customer service representative very polite and informative and helpful.

I wished some information on life insurance for a mortgage I have applied for.

All in all the process was very useful and informative and the representative was very helpful and polite. I would recommend this online service to anyone who is looking for life cover.

- Mrs Severn

Very good professional service.

I was impressed by the quality of service by the advisor who dealt with my request. He has carefully listened to my requirements, asked a few relevant questions and has provided me with the option which suited my needs in the best possible way. I have really admired his flexible approach and fantastic customer skills.

- Mrs Cookson

Professional and no-nonsense approach.

Very thorough yet friendly service. Good contact and information one can understand.

- Heather Cronley

A professional customer centric company with the client at the heart of the transaction.

The advisor put me at the heart of the transaction, was professional, gave realistic opinions and suggestions offering me choices in clear terms which I understood.

- Andrew Hughes

Outstanding service and knowledgeable customer service rep.

I received a call as promised in my email. Marie Bedding was very knowledgeable in her subject matter, she took some basic details and was very polite and courteous in her manner.

Marie was very sensitive when discussing personal circumstances and listened carefully and showed compassion to my details. Marie then said ‘leave it with me and ill get back to you’, within 20 minutes Marie was back on the phone with the quotes as promised and gave me a selection of options to chose from.

Marie did not pressure me with the ‘Hard Sell’, I needed time to discuss the options with my partner, Marie kindly emailed me all the details and left it in my hands to contact her once I had made a decision and if I would like to go ahead with the policy.

I cannot fault this service and the professionalism I received.

- N Marsden

Excellent Service.

Great service, easy to understand terminology. Everything explained and documented by adviser. Thank you.

- Glenda

The quotation service is provided by an FCA-authorised insurance specialist

Promoted Premiums for 35 year old male (non-smoker) on a 25 year term - September 2022*
Life Insurance: £5/month = £65,371 sum insured
Critical Illness Cover: £10/month = £27,546 sum insured
Combined Life & Critical Illness Cover: £10/month = £25,230 sum insured

 

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