Being diagnosed with a serious illness is stressful enough. Critical illness cover provides a tax-free lump sum to protect your mortgage, bills, and lifestyle — giving you and your family peace of mind when it matters most.
As a regulated adviser, I provide personalised critical illness cover advice tailored to your circumstances, helping you secure the right policy for your home, family, and finances.
Critical illness cover pays out a lump sum if you’re diagnosed with a specified serious illness during the policy term.
Commonly covered conditions include:
Policies vary by insurer, so it’s essential to understand exactly what is and isn’t covered.
The payout can be used to:
“Critical illness cover isn’t about expecting the worst — it’s about protecting your family and finances when life takes an unexpected turn.”
A serious illness can impact both your health and income. Even with savings or sick pay, many people experience unexpected financial strain.
Critical illness cover helps you:
It’s often arranged alongside life cover, but serves a different purpose: it protects you while you’re alive, not only after death.
If you have a mortgage or other financial commitments, critical illness cover is particularly important:
Not all critical illness policies are the same. Cheaper options may offer limited protection or restrictive definitions, which can leave you exposed when you need it most.
Working with a professional adviser ensures you:
All advice is regulated, based on suitability, not price, giving you confidence in your protection.
We make securing protection simple:
1️⃣ Initial Review – Discuss your health, finances, and priorities
2️⃣ Needs Assessment – Identify the right level of cover
3️⃣ Policy Comparison – Compare leading UK insurers and definitions
4️⃣ Clear Recommendation – Explained in plain English
5️⃣ Ongoing Support – Assistance with future reviews or claims
Simple. Transparent. Stress-free.
It depends on your mortgage, income, savings, and how long you could manage financially if you were unable to work.
No. It provides a lump sum, not ongoing income. Many people combine it with income protection for full coverage.
Yes. Each insurer defines exclusions differently. A professional review ensures you choose a policy suited to your situation.
Yes. Policies should be reviewed regularly as circumstances change, although new policies are subject to underwriting.
Yes. Advice is FCA-regulated, ensuring transparency, suitability, and professionalism.
Middleton Finance is a trading name of Daniel Bailey who is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Ltd. Advance Mortgage Funding Ltd is authorised and regulated by the Financial Conduct Authority.
Still have a question? Get in touch.
Whether you’re arranging cover for the first time or reviewing an existing policy, I provide expert, clear, and compliant advice to protect your mortgage, family, and finances.