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Doctor and Patient

Critical Illness Cover

Independent Critical Illness Insurance Advice


It's easy to assume a critical illness isn't going to happen to you, but should the worst happen, you can ensure that your loved ones are protected and ease any financial concerns while you deal with your diagnosis. Critical illness insurance will pay out a lump-sum if you are diagnosed with or undergo surgery for a critical illness during the term of the policy.


This may be used to pay off any large financial commitments such as a mortgage, fund treatment and healthcare requirements, to make modifications to your home, or allow you to give up work so that you can spend time with your loved ones and focus on your recovery.


Policies typically cover between 30-60 illnesses or conditions, with the most common diagnosis’s being cancers, strokes and heart attacks. Critical illness cover can also be added as an extra when you take out life insurance, which may give you the additional protection and peace of mind.



What's the difference between critical illness cover and life insurance?


Critical illness cover provides financial support in the event of a specific medical diagnosis, helping you and your loved ones cope with the financial pressures that come with this.


This coverage offers a lump-sum payment that can be used to cover treatment costs or other expenses.

It's important to note that critical illness insurance typically doesn't provide a pay-out in the event of your passing, which is where life insurance becomes relevant.


Life insurance is designed to assist your family in maintaining their standard of living after your departure, including covering expenses like mortgage payments or the cost of bringing your children up for example.


Additionally, it's worth noting that both life insurance and critical illness cover offer a one-time pay-out upon a valid claim and cease thereafter. These policies hold no cash value at any point, and if your stop paying your monthly premiums then your coverage terminates.

Looking for critical illness insurance advice
in Leamington Spa & Warwickshire?

Jack Bewick offers tailored and specialist financial protection advice across Warwick, Leamington Spa, Kenilworth, Stratford upon Avon, Coventry & Warwickshire, Lutterworth & Leicestershire areas.

Offering expert independent mortgage advice on:

First Time Buyer Mortgages

Home Mover Mortgages


Buy To Let Mortgages

Limited Company Mortgages

Affordable Housing Mortgages (Shared Ownership)

Self Employed Mortgages

Some of our trusted insurance & protection providers...

Aviva Insurance
Vitality Insurance
LV Insurance
Legal & General Insurance
Zurich Insurance
Scottish Widows Insurance
AIG Insurance
Royal London Insurance


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"Jack was highly recommended to us when we started our house buying journey, and it was the easiest decision we made throughout the whole process. He was extremely helpful, knowledgeable and had a genuine desire to help us with all of our queries and was dedicated to getting us the best deal on the market at the time.


We couldn’t ask for a better Mortgage Adviser. Thank you Jack for everything you have done so far. We really appreciate your hard work and would absolutely recommend you to anyone looking to buy a house."


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