Protection

Plan for the Unexpected: Critical Illness Cover

A serious illness can change everything, not just your health, but your financial stability too. Critical illness cover is designed to provide a tax-free lump sum if you are diagnosed with a specified condition during the policy term, helping ease financial pressure at a difficult time.

This lump sum can be used however you need, whether that is reducing your mortgage, covering household bills, funding medical treatment, adapting your home, or taking time away from work. Unlike income protection, which pays a monthly benefit, critical illness cover gives you immediate flexibility and control.

I work with a wide range of trusted insurers and will guide you through the available options, explaining policy definitions clearly and helping you choose cover that fits your circumstances, family needs, and long-term plans. With the right protection in place, you can focus on recovery knowing your finances are supported.

1. What is Critical Illness Cover?

Critical Illness Cover pays out a lump sum if you're diagnosed with a serious medical condition listed in your policy. It’s designed to give you financial support during a challenging time.

2. What illnesses are covered?

Policies typically cover major conditions such as cancer, heart attacks, strokes, and other serious illnesses. The exact list varies between insurers, so we’ll help you compare what each policy includes.

3. Can I get Critical Illness Cover for my children?

Yes. Many policies offer optional or built-in children’s critical illness cover, providing protection for your family if your child is diagnosed with a covered condition.

4. Is Critical Illness Cover expensive?

The cost depends on your age, health, lifestyle, and the level of cover you choose. We can help you find a policy that fits your needs and budget.

5. What’s the difference between Life Insurance and Critical Illness Cover?

Life Insurance pays out if you pass away during the policy term, while Critical Illness Cover pays out if you’re diagnosed with a specified serious illness. Many people choose to have both for broader protection.

Traditional Life Insurance

Life insurance ensures your loved ones are financially protected after your death. It provides a lump sum to cover debts, living expenses, and future financial needs. We offer a range of life insurance options to suit your requirements, helping you secure peace of mind for your family’s future.

Income Protection

Income protection insurance is crucial if you face unexpected illness or injury that prevents you from working. This cover provides a regular income to help you maintain your lifestyle and meet essential expenses during periods of disability. We can help you find the best policy tailored to your needs.

Critical Illness Cover

Critical illness cover provides a lump sum payment if you’re diagnosed with a serious illness, such as cancer or heart disease. This financial support can assist with medical costs and other expenses, offering peace of mind during challenging times. Explore your options with our expert guidance.

Relevant Life

Relevant life insurance offers guaranteed acceptance and a lump sum payout without requiring a medical exam. Designed for individuals aged 50 and over, this policy helps cover final expenses and leaves a financial legacy. Let us guide you in choosing the right policy for your needs.

Key Person Insurance

Key Person Insurance provides lifelong coverage with a guaranteed payout upon death. Unlike term policies, it offers peace of mind with its assurance of a payout regardless of when you pass away. Explore our options to find the best whole of life policy to meet your long-term financial goals.

Building and Contents Insurance

Building and contents insurance covers both the structure of your home and your personal belongings. This combined policy protects against risks like fire, theft, and damage, ensuring comprehensive coverage for your property.

Shareholder Protection

Shareholder Protection ensures that if a business owner dies or is diagnosed with a critical illness, their shares are dealt with smoothly and fairly — protecting both the business and the remaining shareholders.


Executive Income Protection

Executive Income Protection is a tax-efficient way for businesses to protect their directors and key executives if they are unable to work due to long-term illness or injury.

The policy is paid for by the company and provides a regular income if the executive cannot perform their role. Benefits are paid to the business, which then continues paying the executive’s salary, helping maintain financial stability during recovery,

Shareholder Protection

Shareholder Protection ensures that if a business owner dies or is diagnosed with a critical illness, their shares are dealt with smoothly and fairly — protecting both the business and the remaining shareholders.


Executive Income Protection

Executive Income Protection is a tax-efficient way for businesses to protect their directors and key executives if they are unable to work due to long-term illness or injury.

The policy is paid for by the company and provides a regular income if the executive cannot perform their role. Benefits are paid to the business, which then continues paying the executive’s salary, helping maintain financial stability during recovery,

Easily Navigate Your Mortgage & Cover

I specialise in providing clear, reliable mortgage and protection advice to make your financial journey easier. With expert guidance and recommendations tailored to you, I’ll help you secure the right mortgage, protect what matters most, and make confident long-term decisions.

Sayers Financial Services 625119, is an Appointed Representative of New Leaf Distribution Ltd 460421, which is authorised and regulated by the Financial Conduct Authority (FCA No. 460421). Registered address: Garfield House, 165-167 High St, Rayleigh SS6 7QA. Your home may be repossessed if you do not keep up with repayments on your mortgage. Buy-to-Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority. Your home may be repossessed if you do not keep up repayments on your mortgage.

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