Critical health conditions can affect anyone at any age – and if you’re diagnosed with a critical illness such as cancer or a heart attack, the last thing you need is worrying about how to pay the bills while you’re unable to work.

Critical illness policies pay out a tax-free lump sum in the event of illness, conditions or disabilities so your family can cover the household expenses while you concentrate on getting better. This is in addition to any state benefits or sick pay you might get from your employer.

The amount a policy will pay out and what illnesses and conditions are covered can vary quite widely, so we can guide you through the different options to make sure you have the right one for you.