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Critical Illness Image 1

What is life insurance?

Life insurance is a contract between policyholder and the insurer that requires you to pay monthly premiums in return for coverage in the event of death.

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Based on a 30-year-old non-smoker, you could get £175,000 level term cover for 30 years from £7.93 per month (£1.83 per week).
Critical Illness Image 2

What is critical illness cover?

You can also get critical illness cover, which pays out upon diagnosis of a specific serious illness that is listed within the policy. This can be added on to your policy or be taken out as a separate policy.

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Based on a 30-year-old born in 1996, you could receive up to £30,753 of cover over 20 years.
Question Mark Icon

Is critical illness cover worth considering?

Yes, as this can provide financial support for you and your family. Whether this would be covering medical treatment costs or even day-to-day living expenses etc. This helps relieve any stress or worries you and/or your family may have during a difficult time so you can focus on recovery

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Let’s prioritise your health!

Important things to know about critical illness cover!

  • Critical illness cover does not cover you for “getting sick”, you must meet a specific medical definition as stated by your policyholder.
  • The payout may not be handed over to you at the early stages of your medical condition. It must meet a certain level of severity defined in your policy.
  • Eligibility for this cover is restricted to applicants who are at least 18 years of age and no older than 69 years of age.
  • It provides peace of mind; Having both life and critical illness insurance means you're prepared for the uncertainties of life, from major illnesses to life-changing events.
  • Premiums are subject to underwriting and individual circumstances. Not all partners use the same insurers or products. Services may be advised or non-advised.

Looking for Extra Protection?

Get peace of mind with coverage that supports your loved ones and helps you through life’s unexpected challenges.

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How do I choose the right coverage?

Is it worth having critical illness cover?

Critical illness cover can be worth it if you value peace of mind, knowing you and your family would be financially protected if you were to become seriously ill and unable to work.

What happens after I apply for a quote?

After you apply for a quote, we connect you with a suitable partner from our network of trusted insurers. They will explain they options based on your application and guide you through their process, including finalising your application, scheduling any required medical exams and securing your chose policy.

Is it possible to buy life insurance with critical illness cover?

Yes, you can get life insurance with critical illness cover. This is a popular option for those seeking extra protection against life's uncertainties.

Does life insurance cover critical illness?

Standard life insurance policies do not cover critical illness. However, some insurers offer combined policies or options to add critical illness cover to your life insurance.

How to find the best life and critical illness cover?

Apply now with our easy online form to compare life and critical illness cover and choose the best policy for you.

Pricing

Quoted rates may vary and are subject to individual status and medical underwriting. Correct as of 2nd February 2026.

From £10 Per Month

Critical Illness

Life Insurance and Critical Illness Cover quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.

£30,327 over 20 years Aviva Logo

30 year old born in 1996

£21,237 over 20 years Aviva Logo

35 years old born in 1991

£17,335 over 15 years Aviva Logo

40 years old born in 1986

£12,920 over 15 years Aviva Logo

45 years old born in 1981

£10,125 over 10 years Aviva Logo

50 years old born in 1976

£7,287 over 10 years Aviva Logo

55 years old born in 1971

£6,469 over 10 years Aviva Logo

60 years old born in 1966

From £8 Per Month

Whole of Life

±£8 per month quoted rates are based on whole of life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.

£5,599 sum assured Zurich Logo

30 year old born in 1996

£4,762 sum assured Zurich Logo

35 years old born in 1991

£4,047 sum assured Zurich Logo

40 years old born in 1986

£3,445 sum assured Zurich Logo

45 years old born in 1981

£3,230 sum assured Zurich Logo

50 years old born in 1976

£2,727 sum assured Zurich Logo

55 years old born in 1971

£2,221 sum assured Zurich Logo

60 years old born in 1966

£1,672 sum assured Zurich Logo

65 years old born in 1961

£1,277 sum assured Zurich Logo

70 years old born in 1956

Cover from £10 Per Month

†From £10 per month for up to £280,000 is an example based on the following pricing illustrations. £10 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.

£289,847 over 20 years Aviva Logo

30 years old born in 1996

£173,440 over 20 years Aviva Logo

35 years old born in 1991

£123,428 over 15 years Aviva Logo

40 years old born in 1986

£81,616 over 15 years Aviva Logo

45 years old born in 1981

£59,917 over 10 years Aviva Logo

50 years old born in 1976

£34,029 over 10 years Aviva Logo

55 years old born in 1971

£18,089 over 10 years Aviva Logo

60 years old born in 1966

£11,689 over 10 years Aviva Logo

65 years old born in 1961

£7,068 over 10 years Aviva Logo

70 years old born in 1956

Cover from £5 Per Month

†From £5 per month for up to £90,000 is an example based on the following pricing illustrations. £5 per month Life Insurance quoted rates are based on level term life cover for non-smokers with no pre-existing medical conditions or other high risk factors. Individual factors and medical underwriting will be assessed which may vary the premium and sum assured you are eligible for or may result in you being declined. Correct as on 2nd February 2026.

£98,704 over 20 years Aviva Logo

30 years old born in 1996

£63,621 over 20 years Aviva Logo

35 years old born in 1991

£48,288 over 15 years Aviva Logo

40 years old born in 1986

£31,699 over 15 years Aviva Logo

45 years old born in 1981

£23,483 over 10 years Aviva Logo

50 years old born in 1976

£15,467 over 10 years Aviva Logo

55 years old born in 1971

£7,844 over 10 years Aviva Logo

60 years old born in 1966

£5,837 over 10 years Aviva Logo

65 years old born in 1961

£3,532 over 10 years Aviva Logo

70 years old born in 1956

Testimonials

Star Rating

"Securing life insurance was something I'd put off for too long. The process was straightforward, and now I have peace of mind knowing my family will be looked after. Thank you for making it so easy."

Lynn K

Star Rating

"I was unsure about the level of cover I needed, but the guidance I received was excellent. I now have a policy that fits my circumstances perfectly, and it's a weight off my shoulders."

Alan S

Star Rating

"Finding affordable life insurance seemed like a challenge, but I was pleasantly surprised by the options presented to me. I feel much more secure knowing this is in place."

Lou G

Star Rating

"The application process was quick and efficient. I appreciated the clear explanations and the lack of complicated jargon. It was a simple way to protect my loved ones' future."

Paul M

Star Rating

"I'd been meaning to get life insurance for years, and I'm so glad I finally did. The service was professional, and I feel confident in the policy I now have."

Graham F

Star Rating

"As a new parent, life insurance became a priority. The options available were comprehensive, and I found a policy that gives me real security for my family's future."

Brad J

Star Rating

"I was a bit hesitant about the whole thing, but the team made it easy to understand and helped me find the right level of cover without any pressure. I'm very satisfied."

Dave C

Star Rating

"Getting life insurance felt like a responsible step, and I'm glad I chose this service. The process was smooth, and I feel much better prepared for the future."

Hannah G

Star Rating

"I wanted to ensure my partner was protected, and the policy I found gives me that reassurance. The whole experience was positive and hassle-free."

Mick D

Star Rating

"Sorting out life insurance was on my to-do list for ages. I'm so pleased I finally got it done. The process was simple, and I feel a great sense of relief knowing my family is secure."

Victoria S