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Critical Illness Cover for Stroke Survivors

WeCovr Editorial Team · experienced insurance advisers
Last updated Mar 14, 2026
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Critical Illness Cover for Stroke Survivors 2026

TL;DR

Securing UK Critical Illness Cover after a stroke or TIA is challenging but possible. As an expert FCA-regulated broker, WeCovr specialises in navigating complex medical underwriting to find specialist insurers who may offer cover, often with revised terms like premium loadings or exclusions.

Key takeaways

  • Getting critical illness cover after a stroke is not impossible, but depends heavily on the type, severity, and time since the event.
  • Insurers will almost always impose a 'postponement period' of at least 1-3 years after a stroke or TIA before considering an application.
  • A likely outcome is a policy with an 'exclusion' for stroke and related cardiovascular conditions, but which still covers dozens of other illnesses like cancer.
  • Full and honest disclosure of your medical history is mandatory; failure to do so can lead to a policy being voided at the point of a claim.
  • If critical illness cover is declined or too expensive, life insurance and income protection are often more accessible and provide vital financial safety nets.

A stroke is a life-altering event. Beyond the immediate health crisis, it leaves a lasting impact on your sense of security and your financial outlook. One of the most common questions we hear from survivors is whether the door to vital financial protection, like critical illness cover, is closed forever.

The journey back to financial peace of mind can feel daunting, but it is not a path you have to walk alone. This guide provides an authoritative, in-depth look at securing critical illness cover and other protection policies after a Transient Ischaemic Attack (TIA) or a major stroke in the UK.

Is it possible to secure a new CI policy after suffering a TIA or major stroke?

Yes, it is possible to get a new critical illness policy after a stroke or TIA, but it is challenging and comes with significant caveats. No insurer will offer cover immediately after the event. You should expect a postponement period of at least one to three years, and often longer.

The final decision will depend on a detailed underwriting assessment of several key factors:

  • The type and severity of the event.
  • The time elapsed since it occurred.
  • The long-term impact on your health.
  • How well your underlying risk factors are managed.

For many, a successful application will result in a policy with special terms. This could mean a higher premium (a "loading") or, more commonly, an exclusion for stroke and related cardiovascular conditions. While this may seem like a compromise, a policy that still covers cancer, multiple sclerosis, and dozens of other conditions provides an invaluable financial safety net.

Understanding Stroke, TIA, and the Insurer's Perspective

To understand an insurer's decision, it’s essential to see the situation from their point of view. Insurers are experts in risk assessment. A stroke or TIA is a significant medical event that, according to medical statistics, increases the risk of a future, potentially more severe, cardiovascular event.

According to the Stroke Association, there are over 100,000 strokes in the UK every year, and it is a leading cause of adult disability. Crucially, around one in four stroke survivors will have another stroke within their lifetime. This statistical reality is at the heart of the underwriting process.

What is a Stroke?

A stroke is a serious, life-threatening medical condition that happens when the blood supply to part of the brain is cut off. There are two main types:

  1. Ischaemic Stroke: The most common type (around 85% of cases), caused by a blood clot blocking the flow of blood and oxygen to the brain.
  2. Haemorrhagic Stroke: Caused by a weakened blood vessel supplying the brain bursting.

What is a Transient Ischaemic Attack (TIA)?

A TIA, often called a "mini-stroke," is caused by a temporary disruption in the blood supply to part of the brain. The symptoms are the same as a full stroke but are temporary, lasting from a few minutes to 24 hours.

Crucially, a TIA is a major warning sign. The NHS states that someone who has had a TIA is at a much higher risk of having a full stroke in the near future. For this reason, insurers treat a TIA with the same level of seriousness as a major stroke during the application process.

The Underwriting Gauntlet: What Insurers Need to Know

When you apply for critical illness cover after a stroke or TIA, you will be asked to provide detailed medical information. This is not to be invasive; it is to allow the underwriter to build an accurate picture of your personal risk profile. Honesty and accuracy here are non-negotiable.

Be prepared to answer questions and provide evidence related to:

  • The Exact Diagnosis: Was it an ischaemic stroke, haemorrhagic stroke, or a TIA?
  • Date of the Event: How long ago did it happen? The longer the time elapsed, the better.
  • Severity and Symptoms: What were the initial symptoms? Did you lose consciousness?
  • Long-Term Impact: Are there any residual effects? This could include problems with mobility, speech (aphasia), vision, or cognitive function.
  • Investigations: Details of all scans (CT, MRI), tests (echocardiogram), and consultations.
  • Treatment: What medications are you on (e.g., statins, blood thinners like Clopidogrel, blood pressure medication)? Have you had any surgical procedures like a carotid endarterectomy?
  • Underlying Causes and Risk Factors: This is a critical area. Insurers will focus on:
    • High Blood Pressure (Hypertension): What are your recent readings? Is it well-controlled with medication?
    • High Cholesterol: What are your latest levels?
    • Atrial Fibrillation (AFib): Have you been diagnosed with an irregular heartbeat?
    • Diabetes: Are you diabetic and how well is it managed (e.g., HbA1c readings)?
    • Lifestyle: Are you a smoker? What is your alcohol consumption? What are your height and weight (BMI)?

The insurer will almost certainly write to your GP for a full medical report (a GPR) to verify this information.

The Postponement Period

After a stroke or TIA, insurers will apply a "postponement period." This is a mandatory waiting time before they will even consider an application.

  • Typical Postponement Period: 1 to 5 years.
  • Why? The risk of a second event is highest in the months and immediate years following the first. Insurers need to see a period of stability, where your condition is well-managed and there have been no further incidents.

Attempting to apply within this period will almost always result in an automatic decline, which is then recorded and can make future applications more difficult.

Potential Underwriting Outcomes for Stroke Survivors

Once the postponement period is over and you submit an application, there are four possible outcomes.

Underwriting OutcomeDescriptionLikelihood for Stroke Survivors
1. Standard RatesYour application is accepted on the same terms and price as a healthy individual.Extremely Unlikely. This would only be a remote possibility for a very minor TIA that occurred many years ago with no residual effects and perfectly controlled risk factors.
2. Premium LoadingYou are offered cover, but your monthly premium is increased by a set percentage (e.g., +50%, +100%, +150%). This reflects the higher perceived risk.Possible. More likely for well-managed TIAs or minor strokes that happened a long time ago. A loading may be combined with an exclusion.
3. ExclusionYou are offered cover at or near standard rates, but the policy will not pay out for specific conditions. For a stroke survivor, this is almost certain to be a cardiovascular exclusion.Very Likely. This is the most common "successful" outcome. The policy would exclude claims for stroke, heart attack, aneurysm, and possibly other related conditions.
4. DeclineThe insurer decides the risk is too high to offer cover on any terms.Common. This is a frequent outcome, especially for those who have had a severe stroke, have ongoing health complications, or poorly managed risk factors.

An expert adviser at WeCovr can provide invaluable guidance here, approaching the right insurers who are known to have a more favourable view of post-stroke applications, potentially saving you from a decline on your record.

Why an Excluded Policy is Still Hugely Valuable

Receiving a quote with a cardiovascular exclusion can feel disappointing. However, it's crucial to reframe your perspective.

Critical illness policies cover a wide range of conditions. The Association of British Insurers (ABI) sets minimum standards, but most modern policies cover 50+ specified illnesses.

Consider this real-life scenario:

Sarah, a 52-year-old graphic designer, had a TIA three years ago. Her blood pressure is now well-controlled with medication. She applied for critical illness cover and was offered a policy with a cardiovascular exclusion.

She was initially hesitant but, after discussing it with her adviser, decided to proceed. The policy still covered her for all specified cancer diagnoses, multiple sclerosis, Parkinson's disease, major organ transplant, and many more conditions.

Two years later, Sarah was diagnosed with breast cancer. Her critical illness policy paid out a tax-free lump sum of £75,000. This money allowed her to take a year off work to focus on her treatment and recovery without worrying about her mortgage or bills. The policy, even with its exclusion, proved to be an essential financial lifeline.

A policy that covers you for the most common cause of claims (cancer accounts for over 60% of CI payouts) is infinitely better than having no cover at all.

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Essential Protection Alternatives If CI Cover Is Not an Option

If you are declined for critical illness cover, or if the offered terms are unaffordable, do not despair. There are excellent alternative and complementary forms of protection that are often easier to secure.

1. Life Insurance

Life insurance is almost always easier to obtain than critical illness cover after a stroke. While you can still expect a premium loading, outright declines are less common, especially if a good amount of time has passed and your condition is stable.

  • Term Life Insurance: This is the most common and affordable type. It pays out a lump sum if you die within a specified term (e.g., the 25 years of your mortgage). It's designed to pay off debts and provide for your family's future.
  • Family Income Benefit (FIB): A variation of term insurance. Instead of a single lump sum, it pays out a regular, tax-free monthly or annual income to your family from the point of claim until the end of the policy term. This is often more affordable and can be easier for a family to manage than a large one-off payment.
  • Whole of Life Insurance: This type of policy guarantees a payout whenever you die, as long as you keep paying the premiums.
    • Important Clarity: In the modern UK market, most Whole of Life plans sold by advisers are pure protection policies. They have no cash-in or investment value. If you stop paying premiums, the cover ceases, and you get nothing back. These plans are transparent and highly effective for two main purposes:
      1. Inheritance Tax (IHT) Planning: When written in trust, the payout can be used to cover an IHT bill, preserving your estate for your beneficiaries.
      2. Guaranteed Legacy: Providing a fixed sum for funeral costs or as a gift to loved ones.
    • A Note on Older Policies: Be aware that older, pre-2000s 'with-profits' or 'investment-linked' whole of life policies worked very differently. They were complex, expensive, and part of the premium was invested. They were not transparent and often produced poor returns, with low surrender values if cancelled early. The modern pure protection plans we compare at WeCovr are far more straightforward and fit for purpose.

2. Income Protection Insurance

For many, Income Protection is an even more vital policy than Critical Illness Cover. It's designed to do one thing: replace a portion of your lost earnings if you are unable to work due to any illness or injury.

  • How it Works: It pays a regular, tax-free monthly income (typically 50-65% of your gross salary) after you’ve been off work for a set amount of time, known as the "deferred period."
  • Underwriting for Stroke Survivors: The process is similar to CI cover. You may face a premium loading or an exclusion for cardiovascular conditions.
  • The Power of an Exclusion: Just like with CI, an income protection policy with an exclusion is still incredibly valuable. If a cardiovascular exclusion is applied, you would still be covered if you were unable to work due to:
    • Cancer
    • Mental health issues (stress, anxiety, depression)
    • Musculoskeletal problems (a bad back, a serious fracture)
    • Any other illness or injury that stops you from doing your job, as long as it's not related to the exclusion.

Given that mental health and musculoskeletal issues are the two leading causes of long-term absence from work in the UK, an income protection policy provides a robust and comprehensive safety net.

Specialist Protection for Company Directors and the Self-Employed

If you run your own business, are a company director, or are self-employed, the financial consequences of a stroke are magnified. Specialist business protection policies are designed to protect the entity you have worked so hard to build.

Key Person Insurance

What is it? A policy taken out and paid for by the business on the life or health of a 'key' individual. This could be a founder, a top salesperson, or a technical expert whose absence would cause a significant financial loss to the company.

How it works after a stroke: If a key director has a stroke, the business can claim on the policy. The cash injection can be used to:

  • Recruit and train a replacement.
  • Cover lost profits or a downturn in sales.
  • Reassure lenders and suppliers.

The underwriting for a key person policy is the same as for a personal policy. The director with the history of stroke would need to go through a full medical assessment. The business would own the policy and receive the payout.

Shareholder or Partnership Protection

What is it? This ensures business continuity if one of the owners becomes critically ill or dies. It provides the remaining shareholders or partners with the funds to buy the affected individual's share of the business.

Scenario:

Two directors, Mark and David, own a successful engineering firm 50/50. They have a shareholder protection agreement in place. Mark has a major stroke and is unable to return to work. The policy pays out £500,000 to David. David uses this money to buy Mark's 50% share from him, giving Mark and his family financial security and allowing David to retain full control of the business without having to find the funds himself or accept a new, unknown partner.

Without this, a business can be left in limbo, with an incapacitated owner unable to contribute but still holding a major stake.

Executive Income Protection

What is it? This is an income protection policy that is owned and paid for by a limited company for one of its employees or directors.

Key Advantages:

  • Tax Efficiency: Premiums are typically an allowable business expense, reducing the company's corporation tax bill.
  • Generous Cover: These policies can often cover a higher percentage of earnings (up to 80% of salary and dividends).
  • Benefit in Kind: It is not usually treated as a P11D benefit in kind for the employee, meaning no extra income tax.
  • Payout: If the director is unable to work after the deferred period, the policy pays the benefit to the company, which then pays it to the director via PAYE, deducting tax and National Insurance.

For a director who is a stroke survivor, an Executive Income Protection plan can be a highly effective and tax-efficient way to secure their income.

Practical Steps to Maximise Your Chances of Acceptance

Navigating the application process requires a strategic approach. Rushing in unprepared is the fastest way to get a decline.

  1. Wait for Stability: Do not apply until well after your stroke/TIA and once your doctor confirms your condition is stable and your risk factors (like blood pressure) are well-managed.
  2. Gather Your Information: Before you start, collate all relevant medical details: dates, consultant letters, medication names and dosages, and your most recent blood pressure and cholesterol readings.
  3. Live a Healthy Lifestyle: Underwriters look for positive risk factors. If you have quit smoking, lost weight, reduced alcohol intake, and are exercising regularly, this demonstrates you are actively managing your health. This is where tools like the CalorieHero app, which we provide to all our clients, can help you track and manage your health goals.
  4. Be Meticulously Honest: The duty of disclosure is on you. Failing to mention your TIA, even if it was minor and years ago, is considered 'non-disclosure'. If this is discovered at the claim stage, the insurer can refuse to pay out and void your policy. It is never worth the risk.
  5. Use an Expert Broker: This is the single most important step. A specialist protection broker, like WeCovr, has a deep understanding of the market.
    • We know which insurers have a more lenient underwriting stance for cardiovascular history.
    • We can have informal, anonymous conversations with underwriters before you submit a formal application.
    • This 'pre-vetting' process gives a strong indication of the likely outcome without leaving a footprint on your application record.
    • We manage the entire application process for you, ensuring it is presented to the insurer in the best possible light.

A Final Word: Taking Control of Your Financial Future

Recovering from a stroke or TIA is a physical and emotional challenge. Worrying about your financial security shouldn't add to that burden. While securing critical illness cover is more complex for survivors, it is by no means impossible.

By being patient, prepared, and partnering with an expert adviser, you can navigate the process effectively. Whether the solution is a critical illness policy with an exclusion, a robust life insurance plan, or comprehensive income protection, there are powerful tools available to rebuild your financial resilience.

Taking the first step to explore your options is a proactive and empowering move. It's about protecting not just yourself, but the family and the future you have worked so hard for.

Talk to a WeCovr protection specialist today for a free, no-obligation review of your circumstances. We will search the entire market to find the best possible terms for you.


Do I have to tell an insurer about a TIA I had 10 years ago?

Yes, absolutely. You have a legal duty to disclose all material facts about your medical history when applying for insurance. A Transient Ischaemic Attack (TIA), no matter how long ago it occurred, is considered a significant medical event. Failure to disclose it could lead to your policy being cancelled and any future claim being rejected for 'non-disclosure'.

If my critical illness policy excludes stroke, what does it still cover?

Even with a cardiovascular exclusion, a modern critical illness policy provides a huge amount of valuable cover. It would still typically pay out for a diagnosis of a specified cancer, multiple sclerosis, major organ transplant, dementia, Parkinson's disease, and dozens of other conditions listed in your policy terms. Given that cancer is the reason for the majority of critical illness claims in the UK, the policy remains an incredibly important financial safety net.

Is life insurance easier to get than critical illness cover after a stroke?

Generally, yes. Life insurance is often more accessible than critical illness cover for individuals with a history of stroke or TIA. The underwriting criteria are different because the policy only pays out on death. While you should still expect to pay a higher premium (a 'loading'), an outright decline is less likely than for critical illness cover, especially if a significant amount of time has passed and your health is stable and well-managed.

Will my parents' history of strokes affect my insurance application?

Yes, it can. Insurers will ask about the medical history of your immediate biological family (parents and siblings), specifically regarding conditions like heart disease, stroke, cancer, and diabetes occurring before the age of 60 or 65. A strong family history of early-onset strokes may lead to an increase in your premium, as it can indicate a higher genetic predisposition to cardiovascular disease, even if you are perfectly healthy yourself.

Sources

  • NHS
  • Stroke Association
  • Association of British Insurers (ABI)
  • Financial Conduct Authority (FCA)
  • Office for National Statistics (ONS)
  • gov.uk

Disclaimer: This is general guidance only and does not constitute formal tax or financial advice. Tax treatment depends on individual circumstances, policy terms, and HMRC interpretation, which cannot be guaranteed in advance. Whenever applicable, businesses and individuals should always consult a qualified accountant or tax adviser before arranging such policies.

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WeCovr is an FCA‑regulated insurance broker. We may earn a commission if you purchase a policy via us. This guide is written to be impartial and informational.

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Why life insurance and how does it work?

What is Life Insurance?

Life insurance is an insurance policy that can provide financial support for your loved ones when you or your joint policy holder passes away. It can help clear any outstanding debts, such as a mortgage, and cover your family's living and other expenses such costs of education, so your family can continue to pay bills and living expenses. In addition to life insurance, insurance providers offer related products such as income protection and critical illness, which we will touch upon below.

How does it work?

Life insurance pays out if you die. The payout can be in the form of a lump sum payment or can be paid as a replacement for a regular income. It's your decision how much cover you'd like to take based on your financial resources and how much you'd like to leave to your family to help them deal with any outstanding debts and living expenses. Your premium depends on a number of factors, including your occupation, health and other criteria.

The payout amount can change over time or can be fixed. A level term or whole of life policy offers a fixed payout. A decreasing term policy offers a payout that decreases over the term of the cover.

With critical illness policies, a payout is made if you’re diagnosed with a terminal illness with a remaining life expectancy of less than 12 months. While income protection policies ensure you can continue to meet your financial commitments if you are forced to take an extended break from work. If you can’t work because you’ve had an accident, fallen sick, or lost your job through no fault of your own, income protection insurance pays you an agreed portion of your salary each month.

Income protection is particularly helpful for people in dangerous occupations who want to be sure their mortgage will always be covered. Income protection only covers events beyond your control: you’re much less likely to be covered if you’re fired from your job or if you injure yourself deliberately.

Questions to ask yourself regarding life insurance

Just ask yourself:
👉 Who would pay your mortgage or rent if you were to pass away or fall seriously ill?
👉 Who would pay for your family’s food, clothing, study fees or lifestyle?
👉 Who would provide for the costs of your funeral or clear your debts?
👉 Who would pay for your costs if you're unable to work due to serious illness or disability?

Many families don’t realise that life, income protection and critical illness insurance is one of the most effective ways to protect their finances. A great insurance policy can cover costs, protect a family from inheriting debts and even pay off a mortgage.

Many would think that the costs for all the benefits provided by life insurance, income protection insurance or critical illness insurance are too high, but the great news is in the current market policies are actually very inexpensive.

Benefits offered by income protection, life and critical illness insurance

Life insurance, income protection and critical illness insurance are indispensable for every family because a child loses a parent every 22 minutes in the UK, while every single day tragically 60 people suffer major injuries on the UK roads. Some people become unable to work because of sickness or disability.

Life insurance cover pays out a lump sum to your family, loved ones or whomever you choose to get the money. This can be used to secure the financial future of your loved ones meaning they would not have to struggle financially in the event of your death.

If it's a critical illness cover, the payout happens sooner - upon diagnosis of a serious illness, disability or medical condition, easing the financial hardship such an event inevitably brings.

Income protection insurance can be very important for anyone who relies on a pay check to cover their living costs, but it's especially important if you’re self-employed or own a small business, where your employment and income is a bit less stable. It pays a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire.

In a world where 1 in 4 of us would struggle financially after just four weeks without work, the stark reality hits hard – a mere 7% of UK adults possess the vital shield of income protection. The urgency of safeguarding our financial well-being has never been more palpable.

Let's face it – relying on savings isn't a solution for everyone. Almost 25% of people have no savings at all, and a whopping 50% have £1,000 or less tucked away. Even more concerning, 51% of Brits – that's a huge 27 million people – wouldn't last more than one month living off their savings. That's a 10% increase from 2022.

And don't even think about state benefits being a safety net. The maximum you can expect from statutory sick pay is a mere £109.40 per week for up to 28 weeks. Not exactly a financial lifeline, right?

Now, let's tackle a common objection: "But I have critical illness insurance. I don't need income protection too." Here's the deal – the two policies apply to very different situations. In a nutshell:

  • Critical illness insurance pays a single lump sum if you're diagnosed with or undergo surgery for a specified potentially life-threatening illness. It's great for handling big one-off expenses or debts.
  • Income protection, on the other hand, pays a percentage of your salary as a regular payment if you can't work due to illness or injury. It's the superhero that tackles those relentless monthly bills.

Types of life insurance policies

Common reasons for getting a life insurance policy are to:
✅ Leave behind an amount of money to keep your family comfortable
✅ Protect the family home and pay off the mortgage in full or in part
✅ Pay for funeral costs

Starting from as little as a couple of pounds per week, you can do all that with a Life Policy.

Level Term Life Insurance
One of the simplest forms of life insurance, level term life insurance works by selecting a length of time for which you would want to be covered and then deciding how much you would like your loved ones to receive should the worst happen. Should your life insurance policy pay out to your family, it would be in a lump sum amount that can be used in whatever way the beneficiary may wish.

Decreasing Term Life Insurance
Decreasing term life insurance works in the same way as level term, except the lump sum payment amount upon death decreases with time. The common use for decreasing term life cover is to protect against mortgage repayment as the lump sum decreases along with the principal of the mortgage itself.

Increasing Term Life Insurance
Increasing term life insurance aims to pay out a cash sum growing each year if the worst happens while covered by the policy. With increasing term life cover amount insured increases annually by a fixed amount for the length of the policy. This can protect your policy's value against inflation, which could be advantageous if you’re looking to maintain your loved ones’ living standards, continue paying off your mortgage in line with its repayment schedule and cover your children’s education fees.

Whole of Life Insurance
Whereas term life insurance policies only pay out if you pass away during their term, whole of life insurance pays out to your beneficiaries whenever this should happen. The most common uses for whole life insurance are to cover the costs of a funeral or as a vehicle for your family's inheritance tax planning.

Family Income Benefit
Family income benefit is a somewhat lesser-known product in the family of life insurance products. Paying out a set amount every month of year to your beneficiaries, it is the most cost-effective way of maintaining your family's living standards to an age where you'd expect them to be able to support themselves financially. The most common use would be for a family with children who are not working yet so are unable to take care of themselves financially.

Relevant Life Insurance
Relevant Life Insurance is a tax-efficient policy for a director or single employee. A simple level term life insurance product, it is placed in a specific trust to ensure its tax efficiency. The premiums are tax deductible and any benefit payable should a claim arise is also paid out tax free, which makes it an attractive product for entrepreneurs and their businesses.

Important Fact!

There is no need to wait until the renewal of your current policy.
We can look at a more suitable option mid-term!

Why is it important to get life insurance early?

👉 Many people are very thankful that they had their life, income protection, and critical illness insurance cover in place before running into some serious issues. Critical illness and income protection insurance is as important as life insurance for protecting your family's finances.

👉 We insure our cars, houses, bicycles and even bags! Yet our life and health are the most precious things we have.

Easily one of the most important insurance purchases an individual or family can make in their lifetime, the decision to buy life, income protection, critical illness and private medical health insurance can be made much simpler with the help of experienced advisers. They are the specialists who do the searching and analysis helping people choose between various types of life insurance policies available in the market, including income protection, critical illness and other types of policies most suitable to the client's individual circumstances.

It certainly won't do any harm if you speak with one of our experienced FCA-authorised insurance partner experts who are passionate about advising people on financial matters related to life insurance and are keen to provide you with a free consultation.

You can discuss with them in detail what affordable life, income protection, critical illness or private medical health insurance plan for the necessary peace of mind they would recommend! WeCovr works with some of the best advisers in the market.

By tapping the button below, you can book a free call with them in less than 30 seconds right now:

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Any questions?

Life, income protection, and/or critical illness insurance are safety nets, very important at a difficult time. If anything happened to you before your cover ends, your life or critical illness insurance would pay a lump sum to your family and/or you (if you took a critical illness or income protection cover) to help cover the losses. Being diagnosed with a critical illness can be devastating, and it won't help matters to be also worrying about how you would cope financially. With a life, income protection, or critical illness policy, you can choose how much cover you need, how you want the policy to pay out, and whether you want cover for both you and your partner. Income protection insurance pays you a regular income if you can't work because of sickness or disability and continues until you return to paid work or you retire. Also known as permanent health insurance, it is quite important for anyone who relies on a paycheck to cover their living costs, but it's particularly important if you're self-employed or own a small business, where your income might be a bit less stable.

Life, income protection, and critical illness insurance pay out millions to families every day. Your expert will explain to you that you need to be honest and open when applying for your insurance.

If you're single with no dependants then it may be that you don't need life assurance. However, if you were to become seriously ill and unable to work, you may benefit from a critical illness or income protection policy. They can help you keep up to date with your rent, bills, food, and other expenses.

It's free to use WeCovr to find life, income protection, and critical illness insurance - we never charge you for quotes. Critical illness, income protection, and life insurance is an investment that pays many times over for you and/or your loved ones.

Life, income protection, and critical illness insurance are important financial products that insurance companies take a lot of care and diligence, so speaking to real human beings ensures that they understand your requirements fully so that you can get the right cover.

All of our partners are carefully vetted and authorised by the FCA, which means they are held to the highest standards that the FCA expects from them and treat all customers fairly!

Our insurance partners give us a few pounds when you take out a policy with one of their experts.

The cost of life insurance depends on several factors, including your age, occupation, health status, and the level of coverage you choose. Your life insurance policy is tailored to your needs, and the cost can vary based on the sum assured, policy term, and other factors.

Some life insurance policies offer an option to add critical illness cover as a rider or as a separate policy. This provides a lump sum payment if you are diagnosed with a critical illness covered by your policy, offering financial support during a difficult time.

Yes, life insurance is available to self-employed individuals to provide financial protection for their loved ones in the event of their death. It ensures that your family can maintain their standard of living and cover expenses such as mortgage payments, bills, and education costs.

If you outlive your life insurance policy and it expires without a claim, you will not receive any payout. Term life insurance policies are designed to provide coverage for a specific period, and once that period ends, the policy terminates without any residual value. However, you can typically renew or purchase a new policy if you still need coverage.

Critical illness insurance provides a lump sum payment if you're diagnosed with a serious illness covered by your policy, offering financial support during a difficult time. It can help cover medical expenses, mortgage payments, and other financial obligations while you focus on recovery.

Critical illness insurance covers a range of serious illnesses and medical conditions specified in your policy, such as cancer, heart attack, stroke, and organ failure. The lump sum payment can be used to cover medical treatment, ongoing care, and living expenses during your recovery.

The cost of critical illness insurance varies depending on factors such as your age, health status, lifestyle, and the level of coverage you choose. Our experts can provide personalised quotes to help you find affordable coverage.

Yes, you can have critical illness insurance alongside your health insurance coverage. Critical illness insurance provides additional financial protection specifically for serious illnesses, complementing your health insurance benefits.

Critical illness insurance policies typically have exclusions for pre-existing conditions and certain medical conditions not covered by the policy. It's essential to review the terms and conditions of your policy to understand what is and isn't covered.

Some critical illness insurance policies may provide coverage for recurring illnesses, while others may not. It's crucial to review the policy terms and understand the specific conditions under which you can make additional claims for recurring illnesses. Your insurer can provide more details on their coverage for recurring critical illnesses.

Yes, you can customise your life insurance policy to suit your individual needs and circumstances. Options may include choosing the sum assured, policy term, premium payment frequency, and additional riders for enhanced coverage.

If you miss a premium payment for your life insurance policy, your coverage may lapse, and your policy could be terminated. However, many insurers offer a grace period during which you can make the payment to keep your policy active. It's essential to contact your insurer to discuss your options if you're unable to make a payment.

Yes, you can typically change the beneficiary of your life insurance policy at any time by completing a beneficiary change form provided by your insurer. It's essential to keep your beneficiary designation up to date to ensure that the proceeds are distributed according to your wishes.

Term life insurance provides cover for a fixed period, such as 10, 20 or 30 years, and pays out a lump sum if you die during that time. It’s often chosen to protect a mortgage or to provide financial support while dependants still rely on your income. Whole-of-life insurance is designed to last for the rest of your life and guarantees a payout whenever you die, as long as premiums are maintained. It’s usually more expensive than term insurance and is sometimes used to help with inheritance tax planning or to leave a guaranteed legacy.

Some term life insurance policies offer the option to convert to a whole life insurance policy without the need for a medical exam or new underwriting. This conversion feature allows you to maintain coverage beyond the term of your policy and provides lifelong protection.

Some life insurance policies offer accelerated death benefits or living benefits that allow you to access a portion of the death benefit if you are diagnosed with a terminal illness. This feature provides financial assistance to help cover medical expenses and other costs during your final months.

While having savings can provide a financial cushion during tough times, income protection insurance offers additional security by replacing a portion of your income if you're unable to work due to illness or disability. It ensures that you can maintain your standard of living and cover essential expenses even if your savings are depleted.

Yes, self-employed individuals can claim income protection insurance if they're unable to work due to illness or disability. Income protection provides a regular income stream to replace lost earnings, helping self-employed individuals cover their living expenses and business costs during periods of incapacity.

The waiting period, also known as the elimination period, is the length of time you must wait after becoming unable to work due to illness or disability before you can start receiving benefits from your income protection insurance policy. Waiting periods typically range from 30 to 90 days, but longer waiting periods may result in lower premiums.

Income protection insurance is designed to provide financial support if you're unable to work due to illness or disability, not for redundancy. However, some policies may offer optional redundancy cover or unemployment cover as an additional benefit, providing a lump sum or monthly payments if you're made redundant.

The tax treatment of income protection insurance benefits depends on whether the premiums were paid with pre-tax or after-tax dollars. Benefits from policies funded with after-tax dollars are typically tax-free, while benefits from policies funded with pre-tax dollars may be subject to income tax. It's essential to consult with a tax advisor to understand the tax implications of your income protection insurance benefits.

Income protection insurance provides a regular income stream if you're unable to work due to illness or disability, while critical illness insurance provides a lump sum payment if you're diagnosed with a covered critical illness, such as cancer, heart attack, or stroke. Critical illness insurance offers financial support to cover medical expenses, living costs, or other obligations during your recovery.

Income protection insurance policies typically have a waiting period (also known as an elimination period) during which you do not receive benefits. If you become unable to work before this waiting period ends, you will not receive any income protection benefits until the waiting period has elapsed. It's important to have sufficient savings or other financial resources to cover your expenses during this initial period.

Many income protection insurance policies allow you to increase your coverage amount if your income rises, without the need for additional underwriting or medical examinations. This feature, sometimes called a 'guaranteed insurability option,' ensures that your coverage keeps pace with your increasing income and financial obligations.

The maximum age to purchase critical illness insurance varies depending on the insurer and the specific policy. While some insurers may offer critical illness insurance up to age 70 or beyond, others may have lower age limits. It's essential to check with insurers to determine their age eligibility criteria for purchasing critical illness insurance.

Whether you can get critical illness insurance if you have pre-existing conditions depends on the insurer's underwriting guidelines and the specific medical conditions. Some insurers may offer coverage with exclusions for pre-existing conditions, while others may decline coverage altogether. It's essential to disclose any pre-existing conditions when applying for critical illness insurance and discuss your options with insurers.

While health insurance provides coverage for medical expenses, critical illness insurance offers financial protection for broader expenses associated with a serious illness, such as lost income, household bills, and lifestyle changes. Critical illness insurance complements health insurance by providing additional financial support during a challenging time, ensuring that you can focus on recovery without worrying about financial burdens.

If you don't make a claim on your critical illness insurance during the policy term, you won't receive a benefit payout. However, having critical illness insurance provides peace of mind knowing that you're financially protected if you're diagnosed with a covered critical illness during the policy term. It's a form of financial preparation for unexpected events and offers valuable protection for you and your family.

If you outlive your critical illness insurance policy and don't make a claim for a covered critical illness during the policy term, the coverage will expire, and you won't receive a benefit payout. Critical illness insurance provides financial protection for a specific period, typically until a specified age or policy term, and offers peace of mind knowing that you're prepared for the unexpected.

Yes, many insurers offer optional riders or add-ons that you can add to your critical illness insurance policy for enhanced coverage. Common riders may include waiver of premium, which waives future premium payments if you become disabled, or return of premium, which refunds a portion of your premiums if you don't make a claim during the policy term. It's essential to review available riders with insurers to customise your coverage to meet your specific needs.

To make a claim on your critical illness insurance policy, you'll need to notify your insurer of your diagnosis and submit a claim form along with any required medical documentation, such as medical reports, test results, and physician statements. Once your claim is reviewed and approved by the insurer, you'll receive the lump sum benefit payment, which you can use to cover medical expenses, living costs, or other financial needs during your recovery.

As we age, the likelihood of encountering health complications increases for us all. In the event that you develop a severe medical condition, critical illness protection can assist with the expenses of crucial bills – enabling you to concentrate on recuperation or adjusting to your new health circumstance.

The typical expense of a Critical Illness protection policy will fluctuate based on aspects such as your age and medical background. As per our investigation, you can secure a policy starting from as low as £8 (for a non-smoking 21-year-old individual).

The most prevalent critical illnesses in the UK are cancer, cardiac arrest, and cerebrovascular accident (stroke).

Cancer is one of the primary causes for critical illness insurance claims in the UK. Cancer constitutes over 80% of critical illness cover claims for females and about 45% of critical illness claims for males.

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