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Since 2006 we have helped 339,595 people compare Protection Insurance quotes.
We would love to do the same for you...

3 things about critical illness cover that could make it good to have right now

We’re sure you won’t need our team here at QuoteLifeCover to tell you just how extraordinary the present times are - the chances are, you will have already taken a number of steps to help protect yourself against the worst impacts of a probable recession.

One such step you might take going forward, is investing in some form of protection insurance, such as critical illness cover. But what are just some of the aspects of critical illness insurance that could help make it a particularly attractive option for you at the moment?

You can spend the payout however you wish

You might already know the basic principle behind critical illness cover - the notion of giving you a tax-free lump-sum payment in the event that you are diagnosed with a certain serious illness such as cancer, or suffer an injury resulting in permanent disability.

But you might have presumed that any payout from such a policy might be tied to your illness in some way - for example, going towards medical treatment or rehabilitation costs.

The truth is, while critical illness cover is mainly designed to help policyholders with the above, the payout from this type of policy doesn’t strictly have to be used for such purposes. Once the money has been handed to you, you could use it to pay essential household bills, for an around-the-world trip, or basically anything else.

It can be tailored to your practical and financial needs

As we often say here at QuoteLifeCover, no given person has exactly the same needs or circumstances as the next person. It’s a factor that has to be carefully considered when it comes to protection insurance, and one of the great advantages of critical illness cover is its adaptability to many different, potentially widely varying circumstances.

For example, you might be interested in taking out a critical illness cover policy specifically because you have a mortgage you wish to pay off. In that case, you could choose to have the policy in place only until your mortgage is set to be fully repaid, which could help you lower the costs of such insurance as well.

It can be combined with other forms of protection insurance

If certain critical conditions such as cancer, heart disease or stroke aren’t the only risks you want to protect yourself against, you don’t necessarily need to have critical illness cover on its own.

For instance, as you will find when you peruse our site here at QuoteLifeCover, it is also possible to purchase critical illness insurance that includes life insurance. This type of policy can pay out a one-off lump sum in the event of a policyholder suffering a serious illness or permanent disability caused by injury, or if they die during the policy term, the latter helping to keep the wider family financially secure after the policyholder has passed away.

Would you like to learn more about the potential relevance and usefulness of the right critical illness cover for you, and to request a free no-obligation quote? If so, please don’t hesitate to call us on 0800 316 6917, to speak to one of our UK advisers.

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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