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Getting Critical Illness Cover with Multiple Sclerosis (MS)

WeCovr Editorial Team · experienced insurance advisers
Last updated Mar 14, 2026
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Getting Critical Illness Cover with Multiple Sclerosis (MS)

TL;DR

Securing critical illness cover in the UK with Multiple Sclerosis is challenging but achievable. WeCovr's expert brokers help navigate neurological exclusions to secure valuable cover for cancer, heart attack, and stroke from major UK insurers.

Key takeaways

  • Insurers will almost always apply a Multiple Sclerosis exclusion to a critical illness policy.
  • Despite exclusions, the policy remains highly valuable, covering the most common claims like cancer, heart attack, and stroke.
  • Life insurance is often more straightforward to obtain with MS than critical illness or income protection cover.
  • Full income protection is very difficult to secure, but specialist options like Executive Income Protection may be available for company directors.
  • Using a specialist broker like WeCovr is crucial to finding the right insurer and presenting your application effectively.

A diagnosis of Multiple Sclerosis (MS) brings significant uncertainty. Amidst managing your health, securing your financial future becomes a paramount concern. Many individuals we speak to assume that a chronic neurological condition like MS makes it impossible to get valuable protection insurance like Critical Illness Cover.

The reality is more nuanced and, importantly, more hopeful.

While obtaining cover for MS-related conditions is not possible, you can absolutely secure a policy that protects you and your family from the financial impact of other major illnesses. The key is understanding how insurers view MS and working with a specialist to navigate the market.

This definitive guide explains how you can get critical illness cover with MS, what to expect during the application process, and why a policy with exclusions can still be one of the most important financial safety nets you can have.

At WeCovr, we specialise in helping clients with pre-existing medical conditions find the cover they need. We understand the underwriting complexities and can guide you to the insurers most likely to offer favourable terms.

Understanding the Insurer's Perspective on Multiple Sclerosis

To understand the options available, it's essential to first see Multiple Sclerosis from an underwriter's point of view. Insurers assess risk, and MS is considered a higher-risk condition for several reasons:

  • Progressive Nature: MS is a long-term condition that can change and worsen over time. This unpredictability makes it difficult for insurers to calculate long-term risk, particularly for policies like Income Protection and Total and Permanent Disability (TPD).
  • Impact on Lifespan: While many people with MS live a near-normal lifespan, some studies indicate a potential reduction of 5 to 10 years on average. This is a factor for life insurance underwriting.
  • Increased Risk of Other Conditions: Research suggests potential links between MS and other health issues, which underwriters must factor into their risk models.
  • Types of MS: The specific type of MS significantly influences an insurer's decision:
    • Relapsing-Remitting MS (RRMS): This is the most common form, characterised by flare-ups (relapses) followed by periods of recovery (remission). Well-managed RRMS with infrequent relapses is viewed more favourably.
    • Secondary Progressive MS (SPMS): This may develop after an initial RRMS phase and involves a steady worsening of symptoms over time, with or without relapses.
    • Primary Progressive MS (PPMS): From the outset, symptoms gradually worsen without relapses or remissions. This form is considered higher risk by insurers.

Because of this, when you apply for protection insurance with MS, insurers will need detailed information to make an informed decision.

What is Critical Illness Cover and Why is it Still Valuable?

Before we delve deeper into the application process, let's clarify what Critical Illness Cover (CIC) is and the crucial role it plays.

Critical Illness Cover is a type of insurance policy that pays out a tax-free lump sum if you are diagnosed with one of the specific serious illnesses listed in the policy.

This is different from life insurance, which pays out on death, and income protection, which provides a replacement monthly salary. The lump sum from a CIC claim is designed to remove financial pressure at a time of immense personal stress.

People typically use the payout to:

  • Repay a mortgage or other debts
  • Cover lost income for themselves or a partner who becomes a carer
  • Pay for private medical treatments or specialist care
  • Fund necessary home or vehicle adaptations
  • Simply provide a financial buffer to allow them to focus on recovery

The crucial point for applicants with MS is this: while your policy will not cover you for an MS-related claim, it will cover you for the most common reasons people claim on critical illness policies.

According to the Association of British Insurers (ABI), the vast majority of claims are for three main conditions:

ConditionApproximate Percentage of Claims
Cancer~60%
Heart Attack~12%
Stroke~7%

Combined, cancer, heart attacks, and strokes account for around 80% of all critical illness claims. Your MS diagnosis does not increase your immunity to these conditions. A policy that provides a significant financial payout for these events offers immense peace of mind and security.

The Underwriting Process: What to Expect When You Apply

When you declare MS on an application for critical illness cover, the insurer will begin a detailed medical underwriting process. Honesty and accuracy are non-negotiable; failing to disclose your condition can lead to a future claim being denied.

You will be asked a series of specific questions, including:

  • Date of diagnosis: When were you first officially diagnosed?
  • Type of MS: RRMS, SPMS, or PPMS?
  • Symptoms: What symptoms have you experienced (e.g., fatigue, mobility issues, vision problems, cognitive difficulties)?
  • Relapses: When was your last relapse, and how frequent and severe are they?
  • Treatment: What medications or Disease-Modifying Therapies (DMTs) are you on?
  • Mobility: Do you use any walking aids? How far can you walk unaided?
  • Daily Living: How does the condition affect your ability to work and perform daily activities?
  • Consultant: Who is your neurologist or specialist?

In almost all cases, the insurer will request a GP Report (GPR) or a report from your specialist to verify this information. This is a standard part of the process.

A WeCovr Adviser Tip

Presenting your medical history clearly can make a significant difference. Before you apply, gather all your key medical information. A specialist adviser can help you frame this information accurately and completely on the application form, ensuring the underwriter gets a full and fair picture of your health, including periods of stability and a positive prognosis. This proactive approach can lead to a smoother and more favourable underwriting outcome.

Likely Underwriting Outcomes for Critical Illness Cover with MS

Once the insurer has all your information, they will make a decision. For critical illness cover, there are three primary outcomes.

  1. Decline: An insurer may decline to offer cover altogether. This is most likely if:

    • The diagnosis is very recent.
    • You have a progressive form of MS (SPMS or PPMS).
    • You have experienced recent, frequent, or severe relapses.
    • The condition significantly impacts your mobility or ability to work.

  2. Increased Premium (Rating): If an insurer agrees to offer cover, they will almost certainly increase the standard premium. This "rating" or "loading" reflects the increased overall health risk they associate with the condition. The increase could be anywhere from +50% to +150% or more, depending on the specifics of your case.

  3. Exclusions: This is the most important and near-certain outcome. The insurer will apply specific exclusions to the policy. This means the policy will not pay out for claims directly or indirectly related to Multiple Sclerosis.

The typical exclusions you will see are:

  • A specific Multiple Sclerosis exclusion: This states clearly that no claim will be paid for the diagnosis of MS.
  • A Total and Permanent Disability (TPD) exclusion: TPD is a standard definition in most CIC policies that pays out if you become permanently unable to work ever again. As MS can lead to this, insurers will remove this benefit.
  • A general neurological condition exclusion: Some insurers may apply a broader exclusion for a list of related neurological conditions.

It is vital to understand that an exclusion is not a reason to reject the policy. It is the mechanism that allows the insurer to offer you valuable cover for all the other conditions, like cancer and heart disease, at an affordable price.

Real-Life Scenario: The Value of a Policy with Exclusions

Meet David, a 45-year-old graphic designer with RRMS. David was diagnosed with MS eight years ago. His condition is stable with infrequent, mild relapses. He was concerned about his family's financial security if he were to suffer another major illness.

Working with a WeCovr adviser, he applied for critical illness cover. The insurer offered him a policy for £120,000 of cover with a 75% premium loading and a clear exclusion for MS and related neurological conditions.

Four years later, David suffered a major heart attack, requiring surgery and a long recovery period. His critical illness policy paid out the full £120,000 tax-free.

This money allowed him to:

  • Clear his outstanding mortgage balance.
  • Take six months off work to recover fully without financial worry.
  • Avoid using his personal savings, preserving them for the future.

David's MS was irrelevant to the claim. His policy did exactly what it was designed to do: provide a financial lifeline when he was diagnosed with one of the UK's most common critical illnesses.

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Exploring Other Protection Insurance Options with MS

While critical illness cover is a primary focus, it's wise to consider a holistic protection plan. Your MS diagnosis will impact other types of cover in different ways.

Life Insurance

Getting life insurance with MS is often more straightforward than critical illness cover.

Life insurance pays out a lump sum or regular income to your loved ones if you pass away during the policy term.

  • Term Life Insurance: This is the most common type, covering you for a set number of years (e.g., until your mortgage is paid off or children are financially independent).
  • Family Income Benefit: This is a variation of term insurance that pays out a regular, tax-free monthly income rather than a lump sum, which can be easier for a family to budget with.

Underwriting Outcomes for Life Insurance:

  • Standard Rates: If your MS is very mild, well-managed (e.g., RRMS), and you were diagnosed many years ago with no recent relapses, you may even be offered cover at standard prices. This is rare but possible.
  • Premium Loading: More commonly, the insurer will apply a premium loading, similar to critical illness cover, to reflect the potential impact on your life expectancy.
  • Decline: In cases of severe or progressive MS, a decline is possible, but less likely than for CIC or income protection.

Whole of Life Insurance for Legacy and IHT Planning

For some, a Whole of Life policy may be a suitable option. These plans guarantee a payout whenever you die, making them ideal for leaving a legacy or covering a future Inheritance Tax (IHT) bill.

It's crucial to understand how modern policies work:

  • Most modern whole of life plans are pure protection policies with no cash-in or investment value.
  • You pay a premium, and in return, the insurer guarantees to pay out the agreed sum on your death.
  • If you stop paying premiums, the cover lapses, and you get nothing back.
  • At WeCovr, we focus on these simple, transparent plans, which are excellent for IHT planning.

This is very different from older, complex with-profits or investment-linked whole of life policies, which were expensive and often produced poor returns.

For someone with MS, a guaranteed whole of life plan can be an effective way to leave a fixed sum to their family, and underwriting can sometimes be more lenient than for term insurance.

Another specialist policy for IHT planning is Gift Inter Vivos insurance. This is a term life policy designed to cover the potential IHT liability on large gifts made during your lifetime, which only become fully tax-exempt after seven years.

Income Protection

This is the most challenging type of cover to secure with an MS diagnosis.

Income Protection (IP) is designed to pay a monthly replacement income if you are unable to work due to any illness or injury. Because MS has a high likelihood of eventually impacting a person's ability to work, insurers view this as an extremely high risk.

The most likely outcomes when applying for full Income Protection are:

  1. A straightforward decline.
  2. An offer with a comprehensive neurological and musculoskeletal exclusion. This would render the policy of very limited value, as it would exclude a wide range of potential reasons for a claim.

However, there are niche alternatives to explore with a specialist broker:

  • Personal Sick Pay Policies: These are short-term income protection plans, typically with a maximum claim period of 1, 2, or 5 years per claim. Underwriting can sometimes be more flexible, though a neurological exclusion is still highly probable.
  • Accident, Sickness & Unemployment (ASU) Cover: These are typically lower-quality, annually renewable policies. They are not a substitute for long-term income protection but may offer some short-term cover. They will always have exclusions for pre-existing conditions like MS.

Specialist Cover for Company Directors and the Self-Employed

If you run your own business or are a company director, there are powerful, tax-efficient protection options that can be more accessible than personal cover.

Executive Income Protection

This is a hugely valuable but often overlooked policy for company directors with MS.

Executive Income Protection is an income protection policy that is owned and paid for by your limited company. The policy covers you, the director, but the business pays the premiums.

Key advantages include:

  • Tax Efficiency: The premiums are typically considered an allowable business expense, reducing your corporation tax bill.
  • More Favourable Underwriting: Insurers often have slightly more flexible underwriting criteria for group and executive schemes compared to individual policies. While an exclusion for MS is still likely, the overall proposition can be more favourable.
  • No P11D Benefit-in-Kind: Unlike some other company perks, there is usually no personal tax liability for the director receiving this benefit.

If you are a company director with MS who has struggled to find personal income protection, exploring Executive IP with an adviser is a critical next step.

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.

Key Person Insurance

If your presence is vital to your business's revenue and stability, Key Person Insurance is essential. This is a life insurance and/or critical illness policy taken out by the business on a 'key' individual.

If that person dies or suffers a critical illness, the policy pays out to the business. The funds can be used to:

  • Recruit a replacement
  • Cover lost profits
  • Reassure lenders and investors

If you have MS, the business can often secure Key Person life insurance on you with a premium loading. Critical illness cover will be more challenging and will come with the standard MS exclusions, but it can still provide vital protection against the financial fallout of you being diagnosed with cancer or having a stroke.

Why You Should Always Use a Specialist Broker

When you have a pre-existing condition like MS, going direct to a single insurer or using a non-specialist comparison site is one of the biggest mistakes you can make.

  • A 'decline' from one insurer can be disheartening and stop you from searching elsewhere.
  • Each insurer has its own unique underwriting rules (its 'underwriting philosophy'). Some are far more sympathetic to MS than others.
  • A standard comparison site cannot capture the nuances of your medical history.

A specialist protection broker, like WeCovr, adds value in several critical ways:

  1. Market Knowledge: We know which insurers have a track record of offering favourable terms for applicants with MS. We don't waste your time with those likely to decline.
  2. Pre-Application Enquiries: We can speak to senior underwriters anonymously on your behalf before you submit a formal application. This allows us to "test the waters" and identify the insurer most likely to offer the best possible terms without leaving a mark on your application record.
  3. Application Support: We help you complete the application form with the precision and detail underwriters need. We ensure your condition is presented accurately, highlighting periods of stability and good management.
  4. No Extra Cost: Our service is paid for by the insurer on completion, so you get expert guidance and market access at no additional cost. The premiums are the same as going direct.

As part of our commitment to our clients' long-term wellbeing, all WeCovr customers also receive complimentary access to CalorieHero, our AI-powered nutrition and calorie tracking app, helping you support your health goals.

Final Application Tips

  • Be 100% Honest: Non-disclosure is the only thing that guarantees a future claim will be rejected. Disclose everything, no matter how small it seems.
  • Have Your Details Ready: Compile a summary of your diagnosis date, medications, treatment history, and your consultant's details.
  • Focus on the Positives: Be sure to mention long periods of remission, a stable lifestyle, and your ability to work and live a full life.
  • Don't Give Up: A 'no' or a difficult offer from one insurer is not the end of the road. The UK protection market is vast, and with expert help, a suitable solution can often be found.

Getting the right financial protection in place is a powerful way to regain a sense of control and provide security for you and your loved ones. While MS presents challenges, it should not be a barrier to securing valuable cover for life's other major risks.

Speak to one of our friendly, expert advisers today to explore your options with a no-obligation quote comparison.

I was diagnosed with MS after I took out my critical illness policy. Am I covered?

Yes, you are. As long as you were truthful and accurate on your original application and were not undergoing tests or experiencing symptoms of MS at that time, your policy is valid. The principle of insurance is to protect against future, unforeseen events. A diagnosis after the policy has started is exactly what insurance is for. Your policy would pay out for a valid MS claim if it is a defined condition on your policy and does not have any specific exclusions.

Will my critical illness premiums be much more expensive if I have MS?

It is highly likely, yes. Insurers view MS as a condition that increases the overall risk of health complications. To offset this, they will apply a "premium loading" or "rating," which increases the price compared to a person with no health conditions. The size of the increase depends on your specific circumstances, but an increase of 50% to 150% is common. This is in addition to the standard exclusion for MS itself.

Can I get income protection insurance if I have MS?

Securing full, long-term income protection with MS is extremely difficult. Most insurers will decline the application due to the high probability that the condition could eventually prevent you from working. The few that may offer terms will apply a broad neurological and musculoskeletal exclusion, which significantly reduces the policy's value. However, as a company director, you may have a better chance of securing an Executive Income Protection policy, which has more flexible underwriting. A specialist broker can explore all available avenues for you.

Sources

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

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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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