Critical illness protection
Critical illness protection pays you a lump sum if you're diagnosed with a serious illness like cancer, a heart attack, or stroke. It helps cover bills and expenses so you can focus on getting better without worrying about money.
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Critical illness cover pays you a tax-free lump sum if you're diagnosed with a serious illness like cancer, heart attack, or stroke. It’s designed to help ease the financial pressure during recovery, covering things like lost income, treatment costs, or everyday bills.
One of the key benefits is peace of mind. You’re protecting yourself and your family from the financial impact of life changing illnesses. Many policies also include children’s cover from birth up to age 18 or 21, giving extra reassurance if your child becomes seriously ill.
Some plans go further, offering access to world-leading specialists through services like Best Doctors, and partial payouts for conditions that aren’t classed as “critical” but are still life altering, like Crohn’s disease or early-stage diagnoses. It’s a smart way to protect not just your health, but your financial wellbeing too
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What are the different types of cover?
As per Life Assurance, there are two types of cover - Decreasing & Level. As critical illness insurance advisers, we can go through the differences between the two types of cover with you and bespoke to your budget to advise the best one which is for you.
Increasing cover
Helps protect your cover against the effects of inflation, giving added protection for you and your loved ones.
- Amount paid out in a lump sum
- Helps protect against the future effects of inflation
- Your cover increases each year in line with any increase in the Consumer Prices Index (CPI)
- If your cover increases, your premium will increase at a higher percentage rate
Decreasing cover
Helps to pay off debt that's reducing over time, like a mortgage.
- Cover amount decreases each month broadly in line with a repayment loan using a fixed interest rate
- Premiums calculated when you take out the policy, and stay the same for the duration of the policy term
PROTECT YOU AND YOUR FAMILY's FINANCes.
Added value benefits you might not expect
Many modern income protection policies now include a range of additional benefits, some standard, others optional - offering broader family support. These may include:
Parent & child cover
Lump sum payouts if your child is diagnosed with a serious illness.
Fracture cover
Financial support for specific bone injuries, often paid alongside your monthly benefit.
Death benefit
A fixed payment to your family if you die during the policy term.
Payment breaks
Some policies pause premiums for up to 6 months in the event of involuntary unemployment.
Mental health & wellbeing
private GP access or physiotherapy as part of the policy.
Pregnancy cover
Financial support or lump sums for specific pregnancy complications.
Global treatment
Cover for specialist overseas treatment if it isn’t available locally.
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HOMEOWNERSHIP FOR EVERYONE.
10 ways first time buyers are getting on the property ladder
As a first-time buyer, there are a number of mortgage products designed to help make homeownership more accessible - particularly if you’re struggling to build up a large deposit.
Low deposit mortgages
Where some lenders will accept deposits as low as 5%, depending on your credit profile and income.
Higher income multiples
Available to applicants with strong rental histories, a high salary, or professional qualifications, often more accessible when you have a larger deposit
Cashback mortgages
A fixed sum back upon completion to help with initial costs - normally linked to new build homes.
Shared ownership
Where you buy a share of a property and pay rent on the remainder – with the option to purchase more shares over time.
Builder or developer incentives
Often offered on new-builds to reduce your upfront costs - there are often ways to work directly with the developer to tailor the deal and explore additional mortgage options.
Joint borrower, sole proprietor mortgages
Sometimes called “income booster” - allowing a parent or family member to support your income without being named on the property
Zero deposit (100%) mortgages
Available in specific circumstances – such as where you've been renting for a period of time and can show a consistent payment record. These are subject to stricter eligibility criteria and affordability checks.
Looking to get more information on your first mortgage?
PROTECT YOURSELF & YOUR LOVED ONES WITH MORTGAGE LIGHT.
Our team are here to help.
We make this easy for you. Simply contact us to arrange to come in and discuss your needs. If you’re pushed for time, call one of our expert advisers and we will be able to go through your options in a quick chat over the phone.