We all like to think we’re bulletproof, but it’s important to have financial protection in place just in case we’re not.
Critical Illness Insurance works in a similar way to life insurance, except it pays out a lump sum in the event of the policy holder suffering a critical illness.
The range of illnesses covered will vary depending on the insurance policy, but often includes things like strokes, heart attacks, cancer, kidney failure, organ transplants and Alzheimer’s to name a few.
If you think you or your family would struggle to cope financially with the sudden loss of income caused by a critical illness, then it’s worth getting advice and pricing from our independent advisers at Engage Wealth Management.
Money from a claim can be used for whatever you feel is most important. This might include home adaptations, private treatment, mortgage payments, or just general living costs.
Whatever your situation, our friendly advisers will help you find out whether critical illness cover is the right option for you
Arrange a free discovery call with our FCA-regulated policy experts to find out how we can help: [email protected] or 01273 076587
It’s highly recommended that you talk to an independent broker before buying any form of financial protection. This will give you confidence that you’re making the right decision and are not left with any nasty surprises.
We’ll happily field all your questions and explain in straightforward terms how a policy works – and then do all the hard work for you when you’re ready to proceed.
We’ll start by sitting down and discussing the reasons why you want Critical Illness cover. What is your current financial situation? And what are your family’s needs?
You’ll have plenty of opportunity to quiz our experts about how the policy works and learn more about the support we offer.
Once you’ve decided to proceed and we’ve determined the amount of cover you’ll need, we’ll start sourcing quotes from insurers and evaluating the options you have available.
As independent financial advisers, we compare critical illness policies across the market and can often secure terms you wouldn’t find on your own. You’ll receive a tailored recommendation based on our in-depth knowledge of providers and cover options.
You’ll have as much time as you need to make a decision, and we’ll be there to answer any further questions about the critical illness policy and what it covers.
Once you decide to proceed, we’ll set up the critical illness cover with the insurer on your behalf and take care of the paperwork. We’ll also support you throughout the underwriting and medical assessment process.
We’ll be on hand to answer questions throughout the life of your policy, including providing support with claims should you ever need to use your cover.
If your circumstances change, you can contact us to review your cover and ensure it still meets your needs.
As well as being experienced in arranging Critical Illness Insurance for clients, our advisers carry all the relevant industry qualifications, including the Diploma for Financial Advisers (DipFA) and Diploma in Financial Planning (DipPFS) from LIBF and the CII respectively. Our advisers also hold qualifications in mortgages, equity release, long-term care and Pension Transfer Specialist (PTS) qualifications.
Engage Wealth Management’s Oliver McDonald has himself faced health challenges that required him to claim on his own Critical Illness Insurance policy.
Like anyone, he hoped he’d never actually have to use the policy. However, in 2024, he went to the GP after experiencing unexplained symptoms and was sent to have tests.
“Multiple scans and painful investigations later, they found a kidney that didn’t function,” said Oliver. “So bad, they had to “whip it out” as the consultant described.
“I had a small Vitality plan taken out several year ago. They cover ‘less serious’ issues which meant I could receive 25% of the cover.
“It’s not life-changing money, but it covered the private GP costs and any extra time I needed to take off.
“This could have been a lot worse, especially if I had a manual job. But I knew that me, and my family, would be okay financially.”
Unfortunately, that wasn’t the end of it. Later the same year, Oliver was diagnosed with a brain tumour.
“The tumour was big, and had to be removed. I had surgery in January 2025 and I’ve been recovering well.
“An event like this can be catastrophic. To my family and the business. But we were prepared. I have life insurance, critical illness cover and income protection.
“I made a successful critical illness claim and, thankfully, as things went smoothly, the money is a nice bonus.
“One of the main things is that I can’t drive anymore, so the money is really helping to cover the cost of taxis and other transport when I need it.”
Engage Wealth Management featured in VouchedFor’s Top Rated Financial Adviser Guide, as published in The Times and The Telegraph. We’ve also featured in Sussex Business Times (SBT), Citywire, Financial Planner Life podcast and Fund Your Retirement podcast.
Are you looking to find affordable critical illness cover? Contact our professional advisers at Engage Wealth Management via the contact form below.
Engage Wealth Management is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales Company no. 13010558 Registered Office: 1a City Gate, 185 Dyke Road, Hove BN3 1TL FCA Firm Number: 942618 To visit the FCA consumer website, The Money Advice Service please click here https://www.moneyadviceservice.org.uk/en. To visit the Financial Ombudsman Service, please click here https://www.financial-ombudsman.org.uk/
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