Critical Illness Cover

Critical Illness Cover provides financial support during challenging health events. We provide professional guidance to find cover that aligns with your circumstances.

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Critical Illness Cover is designed to provide financial support if you are diagnosed with a specified serious illness. It can help reduce financial pressure at a difficult time, allowing you to focus on your recovery rather than your finances.

What is Critical Illness Cover?

Critical Illness Cover pays a tax-free lump sum if you are diagnosed with one of the illnesses or medical conditions specified in the policy and meet the insurer’s definition. Commonly covered conditions may include certain types of cancer, heart attack, stroke, multiple sclerosis, and kidney failure, although cover varies between providers.

The payout can be used for any purpose, such as repaying your mortgage, covering medical or rehabilitation costs, or supporting your household while you adjust to changes in income.

Key Benefits of Critical Illness Cover

  • Provides a lump sum payment following diagnosis of a specified condition

  • Helps reduce financial pressure during recovery

  • Can be used for any purpose, including mortgage repayment or living costs

  • Often available as a standalone policy or combined with life insurance

  • Many policies include children’s cover at no additional cost

Is Critical Illness Cover Right for You?

Critical Illness Cover may be suitable if a serious illness would have a significant financial impact on you or your family. This could include reduced income, increased expenses, or concerns about meeting long-term financial commitments.

As policy definitions and cover levels vary, it’s important to understand exactly what is included. Professional advice helps ensure the level and type of cover reflects your personal circumstances and priorities.

Expert Advice You Can Trust

We provide a fully advised service, taking time to understand your needs and reviewing policies from a range of insurers to identify suitable options. We clearly explain how the cover works, including key exclusions and definitions, so you can make an informed decision.

From initial consultation through to policy arrangement, we support you every step of the way.

Contact us today to discuss Critical Illness Cover and ensure you have the right protection in place should the unexpected happen.

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Why Choose Us?

We provide personalised mortgage and protection advice to help you understand your options and make informed financial decisions.

Our experienced team supports you throughout your financial journey, offering guidance tailored to your individual circumstances and needs.

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Have Questions? Arrange a Consultation

If you would like to discuss your mortgage or protection options, please complete this form, and one of our advisers will contact you to provide guidance based on your individual circumstances.

     

    Your home may be repossessed if you do not keep up repayments on your mortgage or any loan secured against it.

    Wealth Financial Services Ltd is an Appointed Representative of Marklay Mortgages Ltd. (FCA reference number 930490), which is authorised and regulated by the Financial Conduct Authority. Wealth Financial Services Ltd is entered on the Financial Services Register under reference number 997684.

    Please note that the Financial Conduct Authority does not regulate some forms of Business Buy to Let mortgages or commercial mortgages arranged for limited companies.

    A fee may be payable for mortgage advice. The exact amount will depend on your individual circumstances and will be clearly explained and agreed with you before you proceed.

    The information and advice provided on this website is subject to UK regulatory requirements and is intended primarily for consumers based in the United Kingdom.

    Wealth Financial Services Ltd is registered in England and Wales (Company Number: 14754538). Registered Office: Crown House, Suite 302, 60 North Circular Road, London, NW10 7PN.

    Commission Disclosure: We are a credit broker, not a lender. We have access to a wide range of lenders and, following an assessment of your needs and circumstances, we will recommend a suitable lender and product. You are under no obligation to follow our advice or recommendations. We typically receive commission from the lender once your mortgage or loan completes. The commission is usually calculated as a percentage of the amount borrowed and may vary depending on the lender and product selected. The level of commission received does not affect the amount you pay under your credit agreement.

    Complaints Procedure: We are committed to providing a high standard of customer service. If you are dissatisfied with our service and wish to make a complaint, please contact: Compliance Department, Wealth Financial Services Ltd, Crown House, Suite 302, 60 North Circular Road, London, NW10 7PN or call on 020 8050 1856. If we are unable to resolve your complaint to your satisfaction, you may be entitled to refer it to the Financial Ombudsman Service.