Critical illness insurance is a product can provide a lump sum or a monthly benefit in the event of a person being diagnosed with a critical illness. The definition of a critical illness varies from one insurer to another, with some covering more illnesses than others, or covering the same illnesses in different ways.
Some examples of what a critical illness policy can be used for are, to pay off an outstanding mortgage, or to provide a replacement income for a partner and / or their children. A Critical illness policy can also be combined with life insurance to make a life and critical illness policy. However, how we recommend that a policy is set up, will depend entirely on your particular circumstances and objectives.
The cost and availability of Critical illness insurance takes into account your health history, family history, whether you smoke or not and your occupation. This means the cost and availability of insurance from one insurer to another can sometimes be different.
By using information about you and our knowledge of the insurers, we can tailor and research an appropriate solution that best fits your needs.



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The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. Expert Financial Services Ltd is an Appointed Representative of PRIMIS Mortgage Network which is a trading style of Personal Touch Financial Services Ltd. Personal Touch Financial Services Limited is authorised and regulated by the Financial Conduct Authority.

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