Critical Illness Cover

A safety net for life's biggest curveballs.

A serious illness can change everything—from your ability to work to how you support your family.

Critical Illness Cover provides a tax-free lump sum if you're diagnosed with a serious condition like cancer, heart attack, or stroke. It’s there to help you focus on recovery, not finances.

Equip Yourself with Financial Resilience

If you're ready to explore what a complete Protection Package may look like for you, let's chat.

Book your Protection Strategy Call here

Who Should Consider Critical Illness Cover?

It's worth considering if you:

Who Should Consider Critical Illness Cover?

It's worth considering if you:

Would struggle financially if diagnosed with a major illness

Have dependants who rely on your income

Want extra protection alongside Life Insurance or Income Protection

Are self-employed or don’t receive much sick pay from your employer

How Does Critical Illness Cover Work?

Lump Sum Payout

You’ll receive a one-off, tax-free lump sum if diagnosed with a covered condition.

Covers Major Illnesses

Typically includes cancer, heart attack, stroke, MS, and more—check the policy for full details.

Use the Money Your Way

Pay off your mortgage, cover treatment costs, or just take time off to recover.

Standalone or Combined

You can buy it on its own or combine it with Life Insurance.

Children's Cover Often Included

Many policies include cover for your children at no extra cost.

What is Critical Illness Cover?

It’s insurance that pays out a lump sum if you’re diagnosed with a serious illness covered by your policy. It gives you financial breathing room during a very difficult time.

How is it different from Income Protection?

Income Protection pays a monthly income if you can’t work. Critical Illness pays a lump sum on diagnosis of a serious condition, whether or not you’re able to work.

Do I need it if I have savings?

Savings help, but a serious illness can bring unexpected costs—treatment, home adjustments, or lost income. Critical Illness Cover can fill that gap.

What conditions are covered?

Each insurer has their own list, but most policies cover cancer, heart attacks, strokes, organ failure, MS, and other major illnesses.

Helping Mortgage Clients in Broadstairs, Thanet & Beyond

We’re proud to support homebuyers, movers, and landlords across Kent—from Broadstairs, Margate and Ramsgate to Canterbury, Herne Bay and further afield. Wherever you are in your property journey, we’re here to help.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

IMPORTANT: With investments, your capital is at risk. Pensions and investments can go down in value as well as up, so you could get back less than you invest.

Need Financial Planning Ltd is registered in England and Wales no. 10901658. Registered office, 123 High Street, Broadstairs, Kent, CT10 1NQ. Authorised and regulated by the Financial Conduct Authority. Need Financial Planning Ltd is entered on the Financial Services Register https://register.fca.org.uk/ under reference 977136. If you wish to register a complaint, please write to [email protected] or telephone 01843 228800. A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.