Critical illness cover

Critical illness cover for adults

No one plans to fall ill, but preparing for the unexpected ensures that if you can’t work you’re still protected. Critical illness cover offers a tax-free lump sum to support your recovery – so your mortgage, family, and stability don’t have to suffer whilst you heal. 

It’s not about fear – it’s about forward thinking.

Sarah's story

When a diagnosis interrupted her life, a policy helped to protect it.

Sarah was 42, a full-time teacher and mother of two, when she was diagnosed with breast cancer. While her recovery was positive, she needed six months off work — and without her critical illness policy, paying the mortgage would have been a major stressor.

Her cover provided a tax-free lump sum within weeks of diagnosis. It allowed her to focus on recovery, not repayments.

Her husband, James, later said: “We never thought we’d need it. But when everything else felt uncertain, that cover gave us one less thing to worry about.”

Critical illness cover for children

If the unthinkable happens, financial stress should never be part of the equation.


Children’s critical illness cover offers reassurance when families need it most — ensuring access to the best treatment, time off work, and space to breathe.

Emma & Josh's story

When the unthinkable happened, their policy kicked in.

When their son Theo was diagnosed with leukaemia, their world stopped. The children’s critical illness policy they’d added “just in case” paid for private hospital accommodation near the treatment centre, so they could be with him every step of the way — without choosing between work and care.

We can help you be ready for if that day comes, when you need the extra support, speak to our team today.