We guide you to cover that safeguards your lifestyle and home.
Home / Protection / Critical Illness
I’m Rachel Johnson, and I’ve been part of the financial industry since I was 17. Over the years, I’ve built a strong foundation of knowledge and experience, becoming a qualified adviser in January 2019.
With over 25 years of experience in financial services, I’ve dedicated my career to helping people make confident financial decisions and achieve their property goals.
With over 20 years of experience in the property and financial services industry, I’ve built a career that blends my passion for people, property, and professional growth.
With nearly 20 years of experience as a fully Qualified Accountant (CIMA), I, Vaishali Saran, bring a unique and analytical financial expertise to my role as a Mortgage Adviser.
I am a Mortgage and Protection Adviser with experience supporting first-time buyers, remortgages, Buy-to-Let, and Right to Buy clients.
Hi, I'm Nico, a mortgage and protection adviser offering a bespoke service designed to help clients find the best available product for their individual circumstances.
Critical illness insurance pays out when one of the specified critical illnesses occurs. For example, following a heart attack, stroke, cancer or some other specifically defined critical illness.
Cover is for a set term, which may be equal to a mortgage term, or for when children have grown up, until retirement, or until another life stage milestone is achieved. It may be worth considering having one policy for a set term to cover the mortgage and another that will provide money to help provide for your different lifestyle if a serious illness happens.
Most people choose a lump sum to be paid out. There is the option of receiving the payout as a set income over the term remaining, which is often a lower-cost option.
Critical Illness Insurance pays a lump sum or income if you are diagnosed with a specified serious illness, such as cancer, heart attack, or stroke, helping you manage costs and maintain your lifestyle.

IF THE POLICY HAS NO INVESTMENT ELEMENT THEN IT WILL HAVE NO CASH IN VALUE AT ANY TIME AND WILL CEASE AT THE END OF THE TERM. IF PREMIUMS ARE NOT MAINTAINED, THEN COVER WILL LAPSE.
THE POLICY MAY NOT COVER ALL THE DEFINITIONS OF A CRITICAL ILLNESS. FOR DEFINITIONS PLEASE REFER TO THE KEY FEATURES AND POLICY DOCUMENT.
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