Group Critical Illness Insurance | Spectrum Financial Advice

Group Critical Illness Cover

Taken out by an employer on behalf of an employees, Group Critical Illness Protection is a type of insurance policy that will pay out a tax free lump sum payment to an employee in the event of their diagnosis with a specified critical illness. Depending on the level of cover chosen, employees and their families will be protected financially from the devastating effects that a critical illness diagnosis can have on their lives.

With Group Critical Illness Cover, you can ensure your staff receive the support they need in the event of a critical illness. With flexible schemes and expert advice, you will be able to select the exact level of cover you require for your employees, including directors.

To find out how Spectrum Financial Advice can provide your business with advice on a suitable Group Critical Illness Insurance scheme, please contact us today for a fee-free, no obligation review.

Please also look at our frequently asked questions (FAQs) towards the end of the page.

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Comprehensive Cover

Protect your employees from a range of critical illnesses by providing cover that pays out a lump sum to them following their diagnosis.

Family Protection

In many cases there is an additional option to add your employee’s children and spouse to the policy, so they can also be protected from the impact of a critical illness.

Flexible Policies

Select the right level of cover for your business & employees and tailor the policy to suit the changing needs of you and your staff.

We look at all our providers 

We have access to the leading insurance providers in the market, which allows us to recommend the most suitable policies based on your individual circumstances.

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View some of our frequently asked questions that some of our customers have asked.

What is Group Critical Illness Insurance?

Group Critical Illness Cover is a insurance policy taken out by an employer on behalf of their employees. With this type of scheme the employee will receive a lump sum payment in the event they are diagnosed with a specified critical illness. In some cases, the employee’s children and spouse may also be covered.

A Group Critical Illness scheme is often offered as part of an employee benefit scheme in addition to the employee’s basic salary.

What does Group Critical Illness Insurance cover?

Whilst taken out by an employer, Group Critical Illness Protection covers employees in the event of a diagnosis of a specified critical illness. The insurer will provide a lump sum payment to an employee should they be diagnosed with a critical illness such as;

  • Alzheimer’s Disease
  • Cancer
  • Heart Attack
  • Stroke
  • Multiple Sclerosis
  • Parkinson’s Disease
  • Plus many other critical illnesses (please enquire for more detailed information).
How does Group Critical Illness Insurance work?

Taken out by the employer as part of a company scheme of employee benefits, Group Critical Illness Insurance ensures that, should an employee be diagnosed with a critical illness, they and their family will receive a lump sum payment to help lessen the impact that such a change can have on their lifestyle.

A diagnosis such as cancer, heart attack or stroke can have far reaching effects for both the employee and those around them. In addition to providing financial stability, such a payment could be used towards the cost of any lifestyle changes made necessary or even the cost of treatment, to reduce the long term impact as much as possible. With Spectrum FA’s tailored approach, you will be able to obtain the correct level of Group Critical Illness Cover for your employees.

How Can Spectrum FA help with Group Critical Illness Cover?

Spectrum Financial Advice have been assisting businesses obtain suitable Group Critical Illness Insurance for many years and we are experts in this field.

With our personalised and tailored approach, our team will be able to recommend the correct level of Group Critical Illness Insurance for you and your employees.

Being independent, we have access to the leading insurance providers in the market, at competitive premiums. We provide expert regulated advice and will tailor the cover to match the circumstances of you and your business.

We do not charge you a fee for our advice or service and you will speak directly to an expert who will guide you through the process and handle all the paperwork on your behalf.

If you would like to speak to one of our advisors to arrange a free, no obligation review, please get in touch with us today.

You can contact us by completing the contact form on the website, by emailing, or by phone on 01279 315 013.

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