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Email enquiries@assuredlifeuk.com
Phone 020-3983-4078
Location - 27 Old Gloucester Street, London

Get yourself’s covered for more than 120 illnesses

Critical Illness Insurance UK:
Cover From £8 a Month

Why do I need Critical Illness cover?

A critical illness cover is becoming increasingly important with each passing day bearing in mind our current unhealthy lifestyles, our stressful work schedules, etc. So when we become critically ill and are unable to continue working this can affect not only us but also our loved ones.
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It is therefore highly advisable to consider a critical illness cover if:
  • You’re the main bread winner in the family
  • You contribute towards the total household income
  • You have sizeable debts in your name which you wouldn’t want your loved ones to deal with if you can’t work
  • You have young dependants and not enough savings to help them carry on living the same lifestyle
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What is Critical illness cover?

As the name suggests, critical illness cover is an insurance policy that pays out a tax-free lump sum if you suffer a critical illness during the policy term. You can use the money to pay your bills, loans, health expenses, etc., and help your loved ones carry on living the same lifestyle while you’re trying to recover.

This cover offers complete peace of mind knowing that if any such thing ever happens at least you have something to fall back upon.

Key Features

Cover starts from as little as £8 per month

Free Life and Terminal illness cover along with your standard critical illness cover

Free access to a network of over 50000 best doctors across the Globe

No fees. No obligation. No hidden charges

Whole-of-market access allows the advisers on our panel to compare suitable policies and recommend cover based on your individual needs, circumstances and budget.

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Already have a life insurance Policy?

Your likelihood of getting critically ill or developing a serious condition for e.g. cancer, MS, stroke, heart attack, etc. is a lot higher than dying before the age of 75. That’s precisely the reason why a critical illness cover is about 7 to 8 times more expensive as compared to a simple life cover.
You definitely need advice on critical illness cover because:
  • Every provider has a different list of conditions they could cover
  • Different providers have different definitions for the same medical condition & they’re complicated to understand sometimes
  • These are expensive policies and you don’t want to be making a mistake when buying a critical illness cover
So talk to our expert for a free advice on what type of critical illness cover is best suited to your situation and budget.
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What cover to choose?

There’re various types of life protection products or let’s say life insurance policies available these days but it’s important to understand them properly to be able to decide which one is most suitable to your needs.

We’ll help you take the first step by introducing you to an FCA authorised adviser who’ll explain your options and help you make an informed decision. Read More
For e.g. a simple life cover to protect your loved ones until they’re expected to be financially independent is the answer for most of us or if you have a mortgage in place, a mortgage cover is the perfect solution.

But there’re things like level term, decreasing term, index linked, low start, etc. or more comprehensive products like income protection, critical illness cover, family income benefit, etc. which may not be easy to understand at one go and then which provider is the best for you if it’s critical illness cover you require as all insurance providers have their own list of conditions that they would cover you for and unfortunately sometimes we end up with a poor quality critical illness cover that may not even cover some very common conditions just because it’s not on their list. So in essence there’re many variables to choose from and all of these variables together determine the cost of your cover or in case we know your budget we can tailor make a product to match your requirements. Read Less

LEVEL TERM POLICY

This is the most common family protection as you are covered for an amount of your choice that stays level throughout the policy term and your family gets that lump sum in the event of your death.

DECREASING TERM POLICY

This is meant to cover a repayment mortgage as the sum assured continues to decrease each year in line with the mortgage.

INDEX LINKED POLICY

This is again a family protection policy except that the sum assured continues to go up each year with inflation to ensure the value of your cover is not diminished due to inflation.

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How does critical illness cover work?

Once you’ve chosen the provider based on the benefits they’re able to offer or the number of conditions they can cover you for and you’re happy with the premiums quoted, your policy would start from day one upon acceptance. From that point on and during the chosen term of the policy if you're diagnosed with any one of the listed conditions they’ll pay you out. Some of these policies also include children’s cover at no extra cost.

Once you fill in the form we connect you with an adviser (who’s authorised & regulated by the FCA) to work on your options and prepare a personalised recommendation based on your requirements, circumstances and budget.

We have an extremely quick response time, so we would call you within 10 minutes of receiving your application.

How much critical illness cover do I need?

It is highly subjective as everyone’s circumstances are different, so when it comes to critical illness cover, “one size fits all” approach just doesn’t work. It depends also on how much you’re willing to spend each month as it is an expensive cover. Generally it depends on what you’re looking to cover – for e.g. if it’s your mortgage you want to cover, you’d need as much as you owe on the mortgage or if it’s your living expenses you want to cover, it would be advisable to cover one or two years of your salary depending upon your budget.

Call us now to get a free quote and advice on how much cover would be most suitable to your circumstances.

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Already have a critical illness cover?

Call us today to:
  • Get your policy reviewed to ensure it’s the best cover for your needs
  • Ensure your policy has been set up correctly
  • Find out if your policy is still up to date with your current circumstances
  • Make sure you’re adequately covered and that you’re not paying over the odds
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Solutions: all your questions answered

A critical illness cover is 10 times more likely to pay out as compared to a simple life cover.

Secure yours as well as your family’s lifestyle and future today by taking out a critical illness cover.

Taking out a critical illness cover gives you the freedom to live an adventurous life knowing someone else has your back in the event of your needing private healthcare.

A critical illness insurance covers you for about 100 different conditions including all types of cancers, buy yourself an illness cover today for a stress-free tomorrow.
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