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Let's Help You Find the Best Critical Illness Insurance Policy (& Save Money too!)

Free Quote

Since 2006 we have helped 366,893 people compare Protection Insurance quotes. Five Stars Excellent (4.9) We would love to do the same for you...

Now’s the time to protect your loved ones - Prices have never been cheaper.

Our team of experienced advisers can help guide you through the options and can provide discounts on the best deals in the market.

The quotation service is completely FREE & you are under no obligation to purchase.

Since 2006 we have helped 366,893 people compare Protection Insurance quotes. Five Stars Excellent (4.9) We would love to do the same for you...

Is Critical Illness Insurance worth it?

Critical illness cover can provide valuable financial protection in certain circumstances, but whether it's worth it depends on your individual circumstances and priorities. Here are some factors to consider when evaluating the value of critical illness cover:

  1. Financial Security: Critical illness cover pays out a lump sum if you are diagnosed with a specified critical illness covered by the policy. This can provide financial support to cover medical expenses, ongoing care, lifestyle adjustments, or even replacing lost income if you're unable to work. If you have dependents or financial obligations, such coverage can offer peace of mind and help maintain your financial stability during a difficult time.
  2. Existing Coverage: Assess your existing insurance coverage, such as life insurance, health insurance, or disability insurance. Determine whether these policies already offer sufficient coverage for critical illnesses. If your current policies don't adequately address this specific need, critical illness cover could fill the gap.
  3. Personal Factors: Consider your age, health condition, family medical history, and lifestyle choices. Certain critical illnesses may be more prevalent in specific age groups or have a higher likelihood due to genetic factors or lifestyle choices like smoking. Evaluating your personal risk factors can help you determine the potential benefit of critical illness cover.
  4. Cost-Benefit Analysis: Assess the cost of the policy premiums against the potential benefit of the coverage. Compare different insurance providers, policies, and premiums to find a balance that aligns with your budget and needs. Additionally, consider the potential return on investment if you never make a claim versus the financial protection it offers if you do.
  5. Alternative Options: Explore alternative options for financial protection, such as emergency funds, savings, or investments. Assess how well these options can cover your potential needs in case of a critical illness. Remember that critical illness cover can provide a lump sum payout, which can be particularly beneficial in certain situations.

Ultimately, the decision to purchase critical illness cover depends on your individual circumstances, risk tolerance, and financial goals. Consulting with a qualified insurance professional can help you assess your needs and guide you in making an informed decision.

Are you ready to start your own search for the critical illness cover policy that would best suit your circumstances and needs? If so, simply call our team at QuoteLifeCover today, on 01604 436919, for free no-obligation advice that will help you get to grips with everything you need to know about life insurance and other protection insurance.

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.

Trustpilot score for the service you'll receive

Five Stars Excellent (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

 

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