Critical Illness Cover
Being diagnosed with a serious illness can come as a major blow. Make sure you and your loved ones are protected with critical illness cover.
Table of contents
2 minutes
Updated: July 17th, 2025
What is critical illness cover and when would I need it?
Critical illness cover is a long-term policy that covers specific serious illnesses, including heart attack, stroke and certain types of cancer. It offers a one-off tax free lump sum payment that can help pay for mortgage payments, rent, debt or required home alterations, such as wheelchair access, that have to be made as a result of an illness or injury. The payments that such a policy offers can be a huge help at a stressful time, and vital for ongoing practicalities.
Let us work it out for you
We’re dealing with the mortgage and insurance markets every day, and know exactly when new products or new incentives become available. All this, balanced with our 20 years’ knowledge and experience as independent advisors, means we’re in a strong position to find you the best option to suit your needs.
What to bear in mind
How much critical illness cover do you need, and how long will you need it for? You might want to take a look at your budget and think about how much money your household would need to cover living expenses and mortgage payments. Then you might also consider how your or their needs will change over time – as children move out, or you pay off your mortgage, your liabilities will decrease, and so could your cover requirements.
Taking care of your health outcomes
The Mortgage Centres are fully committed to providing a professional service and the best insurance options to all applicants who come through our door. We make an effort to get to know you and understand your needs, worries and plans. With offices all over East Anglia, we’re perfectly placed to work out the best protection to suit your mortgage, your loan and your situation.
Ready to talk it over?
Contact your local Mortgage Centres branch today and you’ll find an experienced, friendly advisor who will be more than happy to go over everything. Getting critical illness cover doesn’t have to be complicated. Let us do the hard work for you. Contact us to speak to an expert today.
About the author
Phil Scott: Director
Phil Scott is the Founder and Managing Director of The Mortgage Centres, one of the UK’s leading independent, whole-of-market mortgage brokerages. With over 30 years of experience and a network of specialist branches, Phil has built a firm defined by manual advocacy and comprehensive market access.
Under his leadership, The Mortgage Centres provides high-touch advisory services for the full spectrum of UK borrowers – from standard residential moves for first-time buyers to complex specialist lending for portfolio landlords. Phil’s institutional approach ensures that every client receives a level of scrutiny and lender access that automated platforms cannot match.
Qualifications:
- FCA Regulated: Leading compliant, high-trust advice since 1992.
- Financial Planning Certificate: 1, 2 & 3 | Year Attained: 1992
- Certificate in Mortgage Advice and Practice (CEMAP) | Year Attained: 2001
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