Our Expertise
Critical Illness Cover
Critical illness cover pays a lump sum if you are diagnosed with one of the specific conditions listed in the policy and you survive a defined period.
Overview
What is critical illness cover?
Critical illness cover pays a benefit on diagnosis of a condition specified in the policy, subject to that condition meeting the insurer's definition. The money can be used for anything, including reducing the mortgage, adapting a home or replacing lost income.
Not all serious conditions are covered, and definitions differ between insurers. Two policies with similar premiums can offer materially different protection, which is why the wording matters more than the headline price.
Who might this be suitable for?
- Homeowners who want a financial buffer during recovery
- Households reliant on one or two incomes
- Self employed clients without sick pay
- Parents considering children's cover options
How Help to Lend can help
- 01We compare condition lists and definitions rather than premium alone.
- 02We explain survival periods, partial payments and children's cover where included.
- 03We review any existing cover you hold before recommending changes.
- 04We support you and, where needed, your family through the application.
Assessment
What may lenders and providers consider?
Condition definitions
A claim depends on meeting the policy's definition, not simply on a diagnosis.
Exclusions
Pre-existing conditions and certain circumstances are commonly excluded.
Combined or standalone
Cover can be combined with life insurance or held separately, with different outcomes.
Reviewable premiums
Some policies have premiums that can be reviewed and increased in future.
Criteria vary between providers and can change at any time. Nothing here confirms that a particular lender or insurer will accept an application.
The Process
How we work through it together.
- 01
Understand
We start with a conversation about your circumstances, plans and objectives.
- 02
Assess
We review your position, affordability and mortgage requirements in detail.
- 03
Recommend
We identify suitable mortgage and protection options and explain the reasoning.
- 04
Apply
We prepare and manage the application, liaising with the lender on your behalf.
- 05
Progress
We keep the case moving and keep you informed at every stage.
- 06
Complete
We support you through to completion and remain available afterwards.
FAQs
Frequently asked questions
Related
Related expertise
Speak to an adviser about your circumstances.
We'll explain the options clearly and tell you what to prepare, with no obligation.
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