Critical Illness

Critical illness cover is designed to ease your financial pressures by paying a tax-free lump sum if you are diagnosed with a long list of qualifying illnesses and disabilities. The type and level of cover varies from each provider. For an informed view of the types of cover available we recommend visiting our section on the Association of British Insurers(ABI) Definitions which details what is actually covered. Most policies will also include equivalent life cover so that you do not have to wait if you need to make a qualifying claim.

For a young single person who does not have the responsibility of a family yet, this is considered to be one of the most relevant type of life insurance as they would have no one to look after them on diagnosis of a qualify illness or disability.

How you use the benefits is entirely up to you. Most people will look to get the best medical treatment for their situation when faced with the alternative. It can also be used to pay off a mortgage or clear outstanding debts removing financial burden instead of insuring your monthly income via an Income Protection Policy.


We can arrange critical illness cover in a number of different formats, for example it can be:

• A standalone policy - this could be most appropriate for a single person.
• Combined with life cover meaning that there would be a lump sum payment in the event of your death or a critical illness.
• Taken as contingency cover to help you cope with your outgoings during your recuperation period.

As with life insurance you can combine a critical illness policy with other benefits, such as Income Protection.. This can be more cost effective than taking out separate policies and is explained in more detail in our Mortgage Protection section.

To discuss your requirements call us on 0800 3893796 or 01483 419288. Alternatively request a call from us by completing our contact form.

The products detailed above are not investments and have no cash-in value at any time.

Types of Insurance


Association Of British Insurers Definitions

» » More Information « «

Term Assurance

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Whole of Life Policies

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Mortgage Protection Cover

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Critical Illness Policies

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Permanent Health Insurance

» » More Information « «

Family Income Benefit

» » More Information « «

The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

We do not charge Advice or Brokerage Fees.

 Your Choice Mortgage Services Ltd is an appointed representative of TenetLime Limited, which is authorised and regulated by the Financial Conduct Authority. TenetLime Limited is entered on the Financial Services Register ( under reference 311266.

Registered Office: The Old Barn, The Bridge, Lower Eashing, Godalming, Surrey GU7 2QF.
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