Critical Illness Cover

Protect Your Family, Your Income & Your Future

A serious illness can turn life upside down, not just emotionally, but financially too. Critical illness cover helps ease that burden by providing a payout if you're diagnosed with a specified condition covered on the policy.

At A & R Protection Specialists, we help individuals and families across the UK find critical illness protection that suits their lifestyle and budget.

What Is Critical Illness Cover?

Critical illness insurance pays out a tax-free sum if you’re diagnosed with a serious condition covered by your policy, like cancer, heart attack, stroke, or multiple sclerosis. This payout can help you:

  • Cover your mortgage or rent

  • Replace lost income

  • Fund private treatment or recovery

  • Protect your family's lifestyle during a tough time

With some policies, you have the option to upgrade your cover to include less advanced stages of cancer, offering financial support earlier in your diagnosis and treatment journey.

What Illnesses Can Be Covered?

While the exact list can vary between insurers, critical illness policies typically include cover for:

  • Cancer

  • Heart Attack

  • Stroke

  • Multiple Sclerosis (MS)

  • Alzheimer’s Disease and Dementia

  • Parkinson’s Disease

  • Major Organ Transplant

  • Kidney Failure

  • Blindness

  • Deafness

  • Loss of Speech or Limbs

  • Benign Brain Tumours

  • Paralysis

  • Third-Degree Burns

Some policies may also offer partial payouts for less severe conditions or early diagnosis, and many can include children’s critical illness cover as an optional extra. This means your child would be protected under the policy too, providing vital peace of mind if the unexpected happens to your family.

We’ll help you compare different policy wordings, so you fully understand what’s include and more importantly, what’s not.

Why Choose A & R?

Advised Service

Recommend what’s best for individual needs

Wide Provider Panel

Real choice, not one-size-fits-all

Remote Appointments

Advice that fits around your life

No-Obligation Support

Explore your options with zero pressure

UK-Wide Expertise

Wherever you are, we’re ready to help

Frequently Asked Questions

  • We help calculate this based on your income, debts, family needs, and long-term goals to make sure you're neither under- nor over-insured.

  • Not always. Many providers offer policies that don’t require a medical, depending on your health and cover amount.

  • We offer no-obligation reviews to check if your current policy still suits your needs or if better value options are available.

  • A broker like A & R Protection Specialists works on your behalf - not the insurer’s. We provide independent advice, compare quotes across multiple providers and recommend the most suitable policy for your circumstances. We also manage the application for you from start to finish.

  • There is no charge for life insurance advice or consultations with us. Our service is completely free and without obligation.

Got a Question? Let's Talk

Whether you're unsure about what cover you need or just want a second opinion—we're here to help.