Protect Your Future if the Unexpected Happens
Critical illness cover pays out a lump sum if you’re diagnosed with a serious medical condition — so you can focus on recovery, not finances.
Be Prepared
What is Critical Illness Cover?
Critical illness insurance provides a one-off, tax-free payout if you’re diagnosed with a listed condition like cancer, heart attack, or stroke.
The money can be used however you need — paying off the mortgage, covering treatment, replacing lost income, or simply giving you financial space while you get better.
It’s often added to life insurance, but can also be arranged as a standalone policy — with cover tailored to your personal health, lifestyle, and budget.
- Tel: +44 7934 221775
- Email: tam@lendorafs.co.uk
- Location: Leicester
Understand What’s Covered
Each provider has different definitions and exclusions — we’ll help you find clear, comprehensive cover without confusing small print.
Tailored to Your Risks
Whether you’ve got a family history, a stressful job, or specific concerns — we’ll build a policy around what matters to you.
Access to Specialist Providers
We work with leading UK insurers offering flexible, high-quality critical illness policies — so you’re not stuck with limited options.
Joined-Up Planning
We’ll show you how critical illness fits into your wider protection plan — alongside life insurance, income cover, or mortgage protection.
Benefits of Using a Broker for Critical Illness Cover
Be Prepared
Things to Consider With Critical Illness Cover
Covered Conditions
Not all policies cover the same illnesses. We’ll explain what’s included (and what’s not), so you know exactly what you’re paying for.
Severity Definitions
Some illnesses must meet specific severity levels before a payout is triggered — we’ll help you understand these terms clearly.
Children’s Cover
Many policies include free or optional children’s cover — offering a payout if your child is diagnosed with a serious illness.
Standalone or Combined?
You can get critical illness on its own, or as part of a life insurance plan. We’ll explore which route suits your goals best.
Cost vs Cover
We’ll balance your monthly budget with meaningful protection — finding you the best value without compromising on quality.
FAQs
What illnesses are covered?
Typically includes cancer, heart attack, stroke, MS, and more — we’ll go over each provider’s full list so there are no surprises.
Does it pay out multiple times?
Most standard policies pay out once, but some offer additional payments for less severe conditions — we’ll explain your options.
Can I claim if I recover?
Yes — if you’re diagnosed with a listed illness and meet the criteria, you get the full payout even if you recover later.
Will it cover mental health conditions?
Generally no — but we’ll discuss any exclusions and help you explore other protection options if this is a concern.
Who provides the advice?
All critical illness cover is referred to a regulated adviser, who’ll ensure you get the most suitable policy.
First Time Buyer
As a first-time buyer, you’ll receive a personalised mortgage advice service, clear explanations and exceptional support throughout the process.
Remortgage
Whether you’re switching for a better deal or borrowing more, we’ll make your remortgage journey simple, stress-free and tailored to your goals.
Self Employed
We specialise in helping self-employed clients secure competitive mortgages, even with complex income—no jargon, just straightforward advice.
Buy To Let
From first-time landlords to seasoned investors, we provide tailored buy-to-let mortgage advice to help you maximise your property portfolio.
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Book Your Call
Ready to make your Next Move?
- Tel: +44 7934 221775
- Email: tam@lendorafs.co.uk
- Location: Leicester