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Since 2006 we have helped 342,313 people compare Protection Insurance quotes.
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Since 2006 we have helped 342,313 people compare Protection Insurance quotes.
We would love to do the same for you...

Is critical illness cover worth it?

The question of whether any particular form of protection insurance is “worth it” for you will always come down to how well-matched that particular product is to your personal circumstances and requirements.

The situation is no different when it comes to critical illness cover. However, it is important to first be aware of what this type of insurance is, and what it isn’t, so help ensure you make the most informed choice.

Introducing critical illness insurance

As its name suggests, the central purpose of critical illness insurance is to help protect the policyholder in the event that they suffer from a critical illness unexpectedly. It does this by paying out a one-off lump sum if the policyholder suffers one of the medical conditions mentioned in the policy terms, such as a stroke or cancer.

That money, in turn, can then be used for whatever the policyholder wishes to use it for. Suffering from a serious illness can be very expensive in itself, of course, so the policyholder might choose to put the money towards medical expenses or having their home adapted to help them live more easily with their health condition.

But the payout could be just as easily used for something else, such as clearing off debts or paying the other day-to-day costs that might become a lot harder to cope with if the policyholder is suddenly rendered unable to work.

So, would critical illness cover be worthwhile for you?

There are various potential perks and drawbacks of critical illness cover, and your awareness of these will be crucial to your decision-making on this type of insurance.

First of all, the bad news; your ability to claim on a critical illness policy would depend on your specific illness being mentioned in the terms of the policy. Not all illnesses are covered by critical illness cover, and even if yours is, the level of severity of the illness will determine whether you can make a claim.

It is also obviously important to be mindful of the cost. This will be closely linked to your current age and lifestyle situation; if, for example, you are an older person with a high BMI, insurers are likely to see you as a greater risk, so you can expect to be quoted a higher price to be covered.

If, on the other hand, you take the time to lose weight or quit smoking before applying for critical illness cover, there is some scope to at least reduce how much you might need to pay for such a policy. You could then lower your expenditure further by altering the level of cover and the period of time for which you would like the policy to be valid.

Looking to the advantages of critical illness cover, this type of insurance can give you vital peace of mind if you don’t have significant savings you could fall back on in the event of suffering a serious illness. And with past research having suggested about a quarter of women and a fifth of men suffer from cancer or a heart attack before they reach retirement age, there could be a somewhat likelier chance of that happening to you than you realise.

Critical illness insurance can also make a lot of sense as a purchase if you have children or other family members who rely on you financially, as well as if there are loans that you are presently paying off, such as a mortgage or car finance. And let’s be honest: if this sounds like your situation, you are likely to be appreciative of whatever layers of protection you can give yourself.

Why not allow us to help you make the right choice?

We know what you’re thinking; the last thing you need is a pushy salesperson who insists on you buying their critical illness cover or other insurance policy, no matter how suitable or unsuitable it is to your actual requirements.

But here at QuoteLifeCover, we aren’t that. Instead, we offer a free, no-obligation advice service to help you make sense of the protection insurance products on the market today. You don’t have to buy any protection insurance policy through us - but if you wish to do so, we will be all too happy to assist.

To find out more and to benefit from our personalised and renowned service, please call one of our UK advisers today, on 0800 316 6917.

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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