Critical Illness Insurance

Critical Illness Cover

Critical illness Insurance is a way to protect yourself and your family against the financial impact a critical illness may cause. With Critical Illness Insurance, you can insure yourself and your partner, against a range of critical illness conditions, ensuring that your family’s future and lifestyle will be secure. Some policies also provide an amount of children’s Critical Illness Cover.

Spectrum FA protection specialists have been advising families on Critical Illness Cover for many years and are experts in this area. Our advisors understand the need to obtain the correct Critical Illness Insurance policy for you and your family’s unique needs, so we will advise you through the process to make sure you receive the right level of cover for you.

To find out how Spectrum FA can secure your family’s financial future, then please get in touch with us today. You can contact us via email at, on the phone on 01279 315 013, or by completing the contact form on the website.

Parent and child hands.  Protect your child's future with Critical Illness Insurance Cover from Spectrum Financial Advice

Comprehensive Cover

Spectrum FA can advise on a variety of critical illness policies so you and your family will receive the correct policy for your circumstances.

Competitive Premiums

Spectrum FA have access to the leading insurers and can source competitive premiums, based on your unique circumstances.


Impartial Advice

Spectrum FA’s protection specialists work only for the needs of our clients, so we get to know you and your requirements to provide a personal service.

Frequently Asked Questions

What is a Critical Illness Insurance policy?

Critical Illness Insurance – alternatively known as Critical Illness Cover is a standalone insurance policy that covers the person insured for a range of critical illness conditions. It can also be added to a life insurance policy. Should the insured person be diagnosed with a specified critical illness, the policy will pay out the chosen level of cover as a single tax free lump sum.

Critical Illness Insurance is a flexible insurance policy that can be tailored to the individual. Options to add additional cover for a partner or spouse, and a list of conditions covered, give the policyholder complete control over the level of cover. There are other options and benefits that can also be added to the policy and we will advise on the most suitable options for your specific requirements to ensure you and your family’s lifestyle is protected.

Why have Critical Illness Insurance?

The purpose of Critical Illness Insurance is to safeguard you and your family from the financial impact that a serious or critical illness may have.

A diagnosis of a critical illness could leave an individual unable to work, often for a long period of time. In the event of a critical illness, the chosen level of cover will be paid out as a single tax free lump sum. This could avoid the additional worry of financial concerns and the lump sum payment can be used to assist you with your standard of living or to pay for medical treatment, if you choose to.

Who should have Critical Illness Insurance?

Critical Illness Insurance is a way to insure yourself against the potential financial detriments that such a condition could cause you or your family. Whether you are a single individual or you have a family, Critical Illness Cover should be considered by all. By having Critical Illness Insurance in place, in the event of a claim, the chosen level of cover will be paid out as a single tax free lump sum. This will enable you and your family to use the funds to assist you with your lifestyle and help pay for the day to day household bills. The lump sum that has been paid to you can also be used for any medical treatment. This will give you the added peace of mind at a time when you and your family need it most.

Please get in touch with Spectrum FA today to discuss the many benefits of Critical Illness Insurance.

How to choose Critical Illness Insurance?

The amount of cover, the duration of the plan, conditions covered and other policy options will vary greatly depending on your individual circumstances, so it is always best to seek advice before taking out a critical illness policy. Spectrum FA will recommend the most suitable policy to match your specific requirements.

Spectrum FA’s protection specialists are experts in this area of critical illness insurance.  We will recommend a suitable policy, based on your individual needs. For expert protection advice that is tailored to you, please speak to one of our advisors today to arrange your free, no obligation review. You can contact us by email at, by phone on 01279 315 013, or by completing the contact form on the website and we get back to you as soon as possible.

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