About Critical Illness Insurance Policies

Critical Illness Insurance pays out a tax-free sum if you become seriously unwell.

If you and your family depend on your income then Critical Illness insurance could be just the sort of protection you need.

It can provide a financial buffer for you and your family while you are ill and unable to work. You get a single payment which you can then use repay the mortgage or any bills, or just used for living expenses until you have recovered enough to return to work. Either way, Critical Illness Insurance cover provides great peace of mind for you and your family.

If you have no mortgage, outstanding debts or children, then critical illness insurance may not be so appropriate for you.

What illnesses are covered?

All Critical Illness policies cover major organ transplants, heart attacks, MS, strokes, kidney failure, coronary bypasses, and certain cancers. But the policies we recommend cover many more conditions than is required and offer a much higher degree of cover by having wider definitions.

Many of the policies you see online will offer cheap premiums but this may be because they do not cover as many conditions or have stricter definitions. Get our expert advice and we will talk you through your options so that you do not end up with cover that doesn’t cover all the things you want it to.

When you take out a policy you can decide how long it will last e.g. until your children have grown up, or until the mortgage is paid off.

Be aware that when critical illness cover is part of a combined policy with term life insurance, it can often be claimed only once. So, if you have had a pay out after a stroke for instance, then the policy is finished and there will be no payment if you die at a later date.

This is yet another good reason to get expert independent advice. There are multiple conditions, clauses and pitfalls when choosing insurance cover. Our Advisers can guide you through the complexity towards a policy which won’t let you down when you need it most.

Call 01489 611760 or email us on criticalillness@reallifeadvice.co.uk

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Tailored Solutions

We understand that everyone’s circumstances are different. At Real Life Advice we specialise in providing financial security for clients. This means that we guide you through what can be a complex process and ensure you get the most suitable cover at a monthly outlay you can afford.


We specialise in Life, Critical Illness and Income Protection Insurance. We don’t offer advice on investments or pensions.  As experts in our industry we are in a position to provide tailored advice from our caring staff who are dedicated to helping you prepare financially for the potential challenges that life might present to you and your loved ones.

Our commitment to you:

  • We will treat you as an individual.
  • We won’t sell to you – we will ask a number of questions that enable us to fully understand your circumstances, needs and budget and we will provide tailored recommendations.
  • Your personal information will always be treated in the strictest of confidence.
  • We won’t charge you a fee, we are paid by the product providers for the work we do.
  • From time to time or when requested by you, we will get in touch to review your protection needs and ensure your policies remain suitable. Where necessary we will make further recommendations to reflect any changes to your circumstances.
  • We aim to be professional and courteous at all times.
  • We encourage you to give us feedback as we believe it helps us continue to improve what we do as a business.
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Call 02382 352500 for expert advice today.

Real Live Advice Limited is an appointed representative of Quilter Mortgage Planning Limited which is authorised and regulated by the Financial Conduct Authority.
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