Plan Ahead
Critical Illness Cover with Expert Guidance
Critical illness cover provides a tax free lump sum if you are diagnosed with a serious medical condition that is covered by the policy. It offers long term financial reassurance by helping you manage the impact of a major illness, whether that involves adapting your home, reducing your working hours or supporting your family through difficult changes. Because the cover is available at a time of significant strain, it can form an important part of your financial planning and deliver stability during challenging periods.
Reasons for Choosing Craig Mortgages and Protection...
From our first conversation through to putting the right cover in place, we’re by your side every step of the way. Our service doesn’t stop once your policy is arranged, we continue to support you with everything that follows, from helping you understand your cover and options to assisting with paperwork and making sure any updates or changes are handled smoothly.
Expert Guidance
Clear, knowledgeable advice tailored to your circumstances, ensuring you feel confident at every stage of the journey.
Smooth Process
We handle the details, reduce complexity, and keep everything on track to make the experience as stress‑free as possible.
Market Access
With access to a wide range of trusted insurers, we work to find the most suitable options for your needs.
Ongoing Support
We’re here for you until everything is complete, and beyond, ready to assist whenever you need us.
With access to multiple providers, we'll explore more competitive cover specifically tailored to you.
Frequently Asked Questions
Get quick, helpful answers to the most common questions.
Critical Illness Cover pays a lump sum if you’re diagnosed with a specified serious illness as defined in the policy wording. It’s designed to help with financial pressures during treatment or recovery.
Each insurer has its own list of covered conditions and definitions. Common examples include certain cancers, heart attacks, and strokes, but cover varies. We’ll ensure the policy wording is clear so you know exactly what is covered.
Many insurers allow you to combine the two. This can sometimes be more cost‑effective, but it depends on your needs and the insurer. We’ll explain the pros and cons of combined vs standalone policies.
Some policies pay out once only, while others offer multiple‑event or additional‑condition cover. We’ll outline how each type works so you can make an informed choice.
Some insurers include children’s cover as standard, while others offer it as an optional extra. The level of cover and conditions vary. We’ll guide you through the specifics.