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Getting Critical Illness Cover for Prostate Cancer

WeCovr Editorial Team · experienced insurance advisers
Last updated Mar 14, 2026
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Getting Critical Illness Cover for Prostate Cancer 2026

TL;DR

WeCovr explains how a raised PSA level or a previous prostate cancer diagnosis impacts your ability to get critical illness cover in the UK. Learn about insurer exclusions, waiting periods, and the steps to securing vital financial protection.

Key takeaways

  • Insurers often postpone critical illness applications for recently raised PSA levels pending further investigation.
  • After prostate cancer treatment, cover is possible but typically requires a waiting period of 2-5+ years and may include a prostate cancer exclusion.
  • The cancer's Gleason score, TNM stage, and time since treatment are crucial factors for underwriters.
  • If critical illness cover is declined, life insurance or guaranteed acceptance over-50s plans are valuable alternatives to consider.
  • Business owners should consider Key Person or Shareholder Protection to safeguard their company against the impact of a key director's diagnosis.

Understanding PSA level exclusions and when you can reapply after treatment

Navigating the world of critical illness cover can feel complex, especially when dealing with health concerns like a raised PSA level or a history of prostate cancer. It’s a subject that affects thousands of men across the UK each year, bringing with it questions about financial security and future insurability.

Prostate cancer is the most common cancer in men in the UK, with over 52,000 new cases diagnosed annually. Many men undergo regular PSA testing as part of their health checks, and a result that falls outside the normal range can naturally cause alarm – not just for one's health, but for one's ability to arrange financial protection for their family or business.

The good news is that a raised PSA level or even a past diagnosis of prostate cancer does not automatically mean you cannot get cover. However, it does mean that insurers will look at your application in much greater detail.

This definitive guide explains everything you need to know. We’ll break down how UK insurers view PSA levels, what to expect when applying for critical illness cover after treatment, and the alternative protection options available if your application is postponed or declined. At WeCovr, we specialise in helping clients with complex medical histories find the right cover, and our goal is to empower you with the knowledge to make confident decisions.

What is a PSA Test and Why Do Insurers Care?

Before we dive into the underwriting process, it’s essential to understand what a PSA test is and what the results signify to an insurance provider.

Prostate-Specific Antigen (PSA) is a protein produced by both normal and cancerous cells in the prostate gland. A simple blood test measures the level of PSA in your blood, and the results are given in nanograms per millilitre (ng/mL).

It is crucial to understand that a raised PSA level is not a diagnosis of cancer. It is an indicator that something may be happening with the prostate, which could be:

  • Benign prostatic hyperplasia (BPH): A non-cancerous enlargement of the prostate, common in older men.
  • Prostatitis: Inflammation or infection of the prostate.
  • A recent urinary infection.
  • Vigorous exercise or sexual activity shortly before the test.
  • Prostate cancer.

Because a high reading is a risk marker for cancer, insurers view it with caution. Their role is to assess risk, and an unexplained high PSA level represents an unknown risk.

How Insurers Interpret PSA Readings

Insurers don't have a single "magic number" for PSA levels. Instead, they assess the reading in the context of your age, as what is considered 'normal' increases as you get older.

Here is a typical guide that underwriters might use, though specific thresholds vary between insurers:

Age RangeTypical Acceptable PSA Level (ng/mL)
40-49Up to 2.5
50-59Up to 3.5
60-69Up to 4.5
70+Up to 6.5

What happens if your PSA level is above these thresholds?

If you declare a raised PSA level on your application, an insurer won't decline you outright. Instead, they will almost certainly take one of the following actions:

  1. Request More Information: They will write to your GP (with your permission) to get more context. They'll want to know the history of your PSA readings, whether they are stable or rising, and the results of any follow-up investigations like a digital rectal examination (DRE), MRI scan, or biopsy.
  2. Postpone the Application: This is a very common outcome. If your PSA level is currently raised and you are awaiting tests or a specialist appointment, an insurer will defer their decision. They will ask you to reapply once your investigations are complete and a clear diagnosis (or all-clear) has been given. They do this to avoid the risk of insuring someone who is in the process of being diagnosed with a serious condition.

Adviser Insight: A postponement is not a "no". It's a "not right now". The key is to complete all recommended medical investigations so you can provide the insurer with a complete picture of your health. Trying to get cover while in a diagnostic grey area is often a fruitless exercise.

Applying for Critical Illness Cover After a Prostate Cancer Diagnosis

If you have been diagnosed with and treated for prostate cancer, securing critical illness cover is more challenging, but by no means impossible. The insurer's decision will depend on a detailed assessment of your specific case.

Underwriters will need to see your full medical records to understand the risk profile of the cancer you had. The most important factors they will consider are:

1. The Gleason Score

This is one of the most critical pieces of information for an underwriter. The Gleason score grades the aggressiveness of the prostate cancer based on how the cells look under a microscope. Scores range from 6 to 10.

Gleason ScoreCancer GradeInsurer's View
6Low-grade (well-differentiated)Considered the least aggressive. Most favourable for an insurance application.
7 (3+4)Intermediate-gradePattern 3 is dominant. More favourable than a 4+3 score.
7 (4+3)Intermediate-gradePattern 4 is dominant, indicating more aggressive cells. Less favourable.
8 - 10High-grade (poorly differentiated)Highly aggressive cancer. Very difficult to get cover for in the short term.

2. The TNM Stage

This is a universal system used to classify how advanced the cancer is.

  • T (Tumour): How large is the tumour and has it grown outside the prostate? (e.g., T1-T2 is confined to the prostate; T3-T4 has spread outside).
  • N (Nodes): Has the cancer spread to nearby lymph nodes? (N0 = no, N1 = yes).
  • M (Metastasis): Has the cancer spread to distant parts of the body? (M0 = no, M1 = yes).

A diagnosis of a low-grade, localised cancer (e.g., Gleason 6, T1c, N0, M0) is viewed far more favourably than a high-grade cancer that has spread.

3. Time Since Treatment Ended

This is paramount. Insurers need to see a significant period of stability post-treatment to be confident the cancer has not recurred.

  • Typical Waiting Period: For low-grade, successfully treated cancers, you will usually need to wait at least 2-3 years after treatment has finished.
  • Longer Waiting Period: For intermediate or higher-grade cancers, this period extends to 5 years or more. For the most aggressive cancers, it could be 10 years or insurers may decline to offer cover at all.

4. Post-Treatment PSA Levels

After a prostatectomy (surgical removal of the prostate), your PSA should be undetectable. After radiotherapy, it should be at a very low and stable level. The insurer will want to see a consistent history of these stable, low readings.

Likely Underwriting Outcomes After Prostate Cancer

Based on the factors above, here are the most common decisions you can expect:

  • Declined: If the diagnosis was recent, the cancer was high-grade, or treatment is ongoing.
  • Accepted with a Cancer Exclusion: This is the most common positive outcome. You will be offered a critical illness policy, but it will include an exclusion for prostate cancer. This means the policy would pay out for a heart attack, stroke, or another specified cancer, but not for a recurrence of prostate cancer.
  • Accepted with a Premium Loading and an Exclusion: In addition to the exclusion, your premiums may be increased (a "loading") to reflect the generally higher risk associated with a past cancer diagnosis.
  • Accepted on Standard Terms: This is very rare. It might be possible for a very low-grade (e.g., T1a) cancer that was discovered incidentally during other surgery many years ago, with no further treatment required and a long history of stable PSA.
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Real-Life Scenarios: How It Works in Practice

Let's look at how these rules apply to real people.

Scenario 1: David, 52 - The Raised PSA Reading

David applies for £150,000 of life and critical illness cover. During his application, he declares that a recent routine health check showed a PSA level of 4.1 ng/mL. His GP has referred him to a urologist, but he hasn't had his appointment yet.

Outcome: The insurer postpones David's application. They explain that they cannot offer terms while he is under investigation. They invite him to reapply once he has a definitive outcome from the specialist.

  • If investigations show BPH (enlarged prostate): David reapplies with the consultant's letter. The insurer gets a GP report, sees the PSA is stable and the cause is benign. They offer him standard terms.
  • If a biopsy reveals low-grade cancer: David undergoes treatment. He will need to wait around 2-3 years after treatment finishes before he can successfully reapply for critical illness cover, which will likely come with a prostate cancer exclusion.

Scenario 2: Mark, 65 - Post-Cancer Application

Mark was diagnosed with prostate cancer six years ago at age 59. It was a Gleason 6, T2a N0 M0 cancer, treated successfully with a prostatectomy. His PSA has been undetectable ever since. He now wants critical illness cover to protect his retirement plans.

Outcome: Mark works with a broker like WeCovr to present his case clearly to several insurers. Because his cancer was low-grade, treatment was successful, and he has a long remission period (6 years), two insurers offer him cover.

Both offers come with a prostate cancer exclusion. One insurer offers the policy at standard premium rates, while another adds a small 25% premium loading. Mark is able to compare the options and chooses the policy with standard rates, securing cover for dozens of other conditions like heart attack, stroke, and other cancers.

What Are My Options if Critical Illness Cover is Declined or Postponed?

Being declined for critical illness cover can be disheartening, but it is not the end of the road for financial protection. There are several excellent alternatives to ensure your family and finances are still protected.

1. Life Insurance

Life insurance is often significantly easier to obtain after a cancer diagnosis than critical illness cover. This is because the risk event (death) is different.

  • Term Life Insurance: This is the most common and affordable type. It pays out a lump sum if you die within a set policy term (e.g., 25 years). For someone with a history of low-grade prostate cancer and a good remission period, it's often possible to get term life insurance at or near standard rates. For higher-grade cancers, a premium loading is more likely.
  • Family Income Benefit: This works like term insurance but pays out a regular, tax-free monthly income to your family instead of a single lump sum. It's an excellent way to replace your lost salary to cover ongoing bills and living costs.
  • Whole of Life Insurance: This policy guarantees to pay out whenever you die, not just within a set term. It's often used for inheritance tax planning or to leave a guaranteed legacy.

2. Income Protection Insurance

This is arguably the most vital protection policy for anyone of working age. Income protection pays a replacement monthly income if you are unable to work due to any illness or injury, not just a specific list of "critical" ones.

  • Underwriting: Getting income protection after prostate cancer follows similar rules to critical illness cover. An exclusion for any claim related to prostate cancer is highly likely.
  • Why it's still valuable: Even with an exclusion, the policy would still cover you for the vast majority of reasons you might be off work long-term, such as back pain, mental health issues, a heart condition, or an accident.

3. Over 50s Life Insurance

If you are over 50 and have been declined for other types of cover, an Over 50s Plan is a superb option.

  • Guaranteed Acceptance: There are no medical questions. Acceptance is guaranteed for UK residents aged 50-85.
  • How it works: You pay a fixed monthly premium, and it pays out a fixed lump sum on death.
  • The Catch: The cover amount is typically smaller (e.g., up to £20,000), and most policies have a 12 or 24-month waiting period. If you die from natural causes during this initial period, the insurer will refund the premiums you've paid rather than the full lump sum. If you die in an accident, most pay out immediately.

Essential Protection for Business Owners and Directors

For company directors, freelancers, and the self-employed, a serious illness like prostate cancer doesn't just impact personal finances; it can threaten the very survival of their business. Standard personal policies are essential, but business protection is the other side of the coin.

Key Person Insurance

What would happen to your business if you or a key employee were diagnosed with prostate cancer and unable to work for a year? Would profits fall? Would you lose clients? Could you afford to hire a replacement?

Key Person Insurance is designed to solve this problem.

  • What it is: A life insurance and/or critical illness policy taken out by the business on a key individual.
  • How it works: If the key person dies or is diagnosed with a specified critical illness, the policy pays a lump sum directly to the business.
  • What the money is for: The funds can be used to recruit a replacement, cover lost profits, reassure lenders, or repay a business loan. It provides vital breathing space for the business to recover.
  • Underwriting: The application process is the same as for a personal policy. A director with a recent prostate cancer diagnosis would likely have a prostate cancer exclusion on a key person critical illness policy.

Shareholder & Partnership Protection

If you co-own a business, the death or critical illness of a fellow shareholder can create a major crisis. Their shares would typically pass to their family, who may have no interest or ability to run the business. They might want to sell their stake to a competitor or demand to be bought out at an inconvenient time.

Shareholder Protection provides a clean solution.

  • What it is: An arrangement where each shareholder takes out a life and/or critical illness policy on the lives of the other shareholders. These policies are usually placed in a business trust alongside a legal agreement called a 'cross-option agreement'.
  • How it works: If a shareholder dies or falls critically ill, the policy pays out to the surviving shareholders. This gives them the cash they need to buy the ill shareholder's (or their estate's) shares at a pre-agreed price.
  • The Result: The surviving shareholders retain full control of the business, and the departing shareholder's family receives a fair cash value for their shares. It's a clean and predictable succession plan.

Executive Income Protection

This is a high-value income protection policy paid for by a limited company for one of its directors.

  • How it's different: Unlike a personal plan, the premiums are paid by the business and are typically treated as an allowable business expense. The benefit is paid to the company, which then pays it to the director via PAYE.
  • Benefits for Directors: It allows directors to secure a high level of long-term sickness cover in a tax-efficient way. For a director with a pre-existing condition like a history of prostate cancer, any exclusion would apply here too, but the policy remains invaluable for all other potential illnesses and injuries.

Inheritance Tax Planning and Whole of Life Cover

For individuals with significant assets, a life insurance policy can be a powerful tool for managing Inheritance Tax (IHT). The most common policy for this is a Whole of Life plan written in trust.

It's vital to understand how modern policies work, as they are very different from the complex products sold decades ago.

Whole of Life Insurance: A Tale of Two Products

In modern UK protection planning, the vast majority of whole of life policies sold for IHT purposes are pure protection plans with no cash-in value.

  • You pay a fixed premium for a guaranteed level of cover.
  • The policy guarantees to pay out that lump sum when you die.
  • If you stop paying your premiums, the cover ends, and you get nothing back.
  • These plans are transparent, affordable, and perfectly suited to their purpose: providing a guaranteed sum to cover an IHT bill or leave a legacy. At WeCovr, we focus on helping clients compare these straightforward, guaranteed plans from across the market.

In the past, many insurers sold investment-linked or with-profits whole of life policies.

  • These were complex hybrids. Part of your premium paid for the life cover, and the rest was invested in a fund.
  • They were designed to build a 'surrender value' over time.
  • However, they were often expensive, opaque, and their performance depended on the stock market. Surrender values in the early years were often less than the total premiums paid. These products are rarely sold today.

By placing a modern Whole of Life policy in a trust, the payout falls outside your legal estate, meaning it is not subject to IHT and does not require probate to be paid out. This provides your beneficiaries with immediate access to cash to pay the tax bill on your estate.

The Golden Rule: Always Disclose Your Full Medical History

When applying for any form of protection insurance, you have a duty to answer all questions from the insurer truthfully and accurately. This includes everything related to PSA tests, investigations, and cancer diagnoses.

Why is this so important?

  • Insurers base their decision and the premium you pay on the information you provide.
  • If you fail to disclose something relevant (this is known as 'non-disclosure'), your policy could be declared void.
  • This would mean your family's claim could be rejected at the worst possible moment, and the insurer would simply refund the premiums you've paid.

It can be tempting to omit details you think might harm your application, but this is a catastrophic mistake. The best approach is total transparency. An expert adviser can help you frame your medical history accurately to the insurer, ensuring you get a valid policy that is guaranteed to pay out.

As part of our commitment to our clients' long-term wellbeing, we also provide complimentary access to CalorieHero, our AI-powered nutrition and calorie tracking app, helping you stay on top of your health goals.

Do I need to declare a single raised PSA test from years ago if it returned to normal?

Yes, you must declare it. Most insurance application forms ask if you have *ever* had investigations or abnormal test results. You should declare the raised test, explain that follow-up tests were normal, and that your doctor confirmed no further action was needed. In most cases, this will not negatively impact your application if it was an isolated incident that has been fully resolved.

Will my critical illness cover pay out for "low-grade" prostate cancer?

It depends entirely on your policy's definition. Most modern, comprehensive critical illness policies will pay out 100% of the sum assured for any prostate cancer that is Gleason score 7 or above, or has progressed to at least stage T2b. For very early stage, low-grade cancers (e.g., Gleason 6, T1a), many policies now provide a "partial payment" of around 25% of the sum assured (e.g., £25,000 on a £100,000 policy), as these are highly treatable. Always check the policy's Key Features Document.

Is it better to use a broker if I've had prostate cancer?

Yes, it is highly recommended. An expert protection broker, like WeCovr, understands the underwriting nuances of different insurers. Some insurers are more lenient with certain cancer histories than others. A broker can approach the right insurers on your behalf, present your medical evidence in the best possible light, and manage the application process, significantly increasing your chances of getting the best possible terms.

If my policy has a prostate cancer exclusion, can it ever be removed?

In some cases, yes. After a long period of continued good health (e.g., 5-10 years post-application with no recurrence and stable PSA), you can ask the insurer to review the exclusion. They will request updated medical evidence from your GP or specialist. If the evidence shows a very low risk of recurrence, they may agree to remove the exclusion, though this is never guaranteed.

Take the Next Step Towards Financial Security

Dealing with a health concern like prostate cancer is challenging enough without the added worry of financial uncertainty. Whether you've had a recently raised PSA test or are years past successful treatment, understanding your protection options is the first step towards peace of mind.

The insurance market for those with complex medical histories is intricate, but cover is often achievable with the right expert guidance. At WeCovr, we have the specialist knowledge to navigate the market for you, saving you time and stress while finding the insurer most likely to offer you favourable terms.

Contact us today for a free, no-obligation chat. We’ll help you understand your options and compare quotes from all the UK's leading insurers to secure the protection you and your family deserve.

Sources

  • NHS
  • Office for National Statistics (ONS)
  • Cancer Research UK
  • Financial Conduct Authority (FCA)
  • Association of British Insurers (ABI)
  • 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.

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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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