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Family critical illness cover

Cover your family for the moment when illness means you need it the most

Get advice & quotes Call 0800 316 3166

If you get critically ill there’s going to be a lot of upheaval: emotional, practical, and financial too.  

Money doesn’t make the situation go away, but it can make it easier. 

What is family critical illness cover?

Well, in a nutshell it’s Critical Illness Cover. Here to protect you and your family.

Should you or anyone else that’s covered (your spouse for example) be diagnosed with a specified critical illness, a tax-free lump-sum will be released. Sad to say, a life-changing health situation can bring with it significant new costs so critical illness cover is an important safety net to have in place.

What conditions are covered?

Most policies cover heart attacks, some cancers and strokes as standard. Many providers also offer cover for disabilities, chronic conditions and neurological illnesses.

When the policy includes children, as some do, it’ll cover conditions more likely to affect kids. Meningitis, for example.

Who and what is covered all varies widely by insurer. We know the market and which insurer covers what – we can give you the right advice to get the right policy for you.

Why LifeSearch?

We’ll work with your precise needs and budget to search the market for policy options that fit what you’re after.

Since 1998 we’ve protected over three quarters of a million UK families from the financial impact of illness and death and – as an independent intermediary – our loyalty is to you.

We work for you - not the insurer

How much does it cost?

How much family critical illness cover costs always depends.

The price is based on

  • How many people are covered
  • The ages and health situations of those named on the policy
  • The level of cover (the amount of pay-out) you’d want
  • Whether this is a standalone policy or policies, or part of wider life insurance cover

The average cost of a life + critical illness policy, over the term of 25 years

Starting Age Cost to cover payout of £75,000
25
£12.89
30
£17.14
35
£24.04
40
£33.56
45 £49.12
50
£94.22
55
£150.95
 60 £231.87

 

*Pricing information obtained 25/7/2022. This data is based on a non-smoker with no medical history.

Critical illness cover can be a standalone product but more often than not it is bought alongside life insurance - to cover all bases and because it’s usually more affordable to bundle.

How much you pay for critical illness cover depends on where you’re at now (age, health, circumstances), and how much cover you want – i.e. how much you want your lump sum payout to be.

    Insurer care services

    Insurers often provide their customers with additional benefits and care to help get you and your loved ones through any dark times.

    Although not all insurers offer such services, here’s a short list of what’s possible.

    If any of the below are or could be important to you, mention it when you speak with a LifeSearch expert adviser.

  • Virtual GP services
  • Health telephone hotline
  • Counselling services
  • Health support apps
  • Private healthcare
  • Physiotherapy
  • Nurse services
  • Nutrition consultation
  • Online fitness classes
  • Financial planning services

    LifeSearch Care

    On top of the extra support your insurer provides (as many do), LifeSearch customers can also access our package of care services – after 12 months as a LifeSearch customer.

    If bad news comes your way, we’ll connect you with medical, counselling and support specialists nearby; who can help you in your new situation.

Give LifeSearch a call and we can take it from there.

LifeSearch was one of the first UK intermediaries to offer a dedicated claims team way back when - and it’s still going strong today.

Our in-house claims specialists can help you with your claim.

We know the insurers, the paperwork and processes. If someone in the family has suffered a life-changing illness, claiming from your insurer is one less thing for you to worry about on your own.

Most likely, your claim will need to be signed off by a doctor or specialist but we can help you to stay on top of all that. You will have one point-of-contact until resolution of the claim (which we all want to see as quickly as possible).
There’s a belief out there that insurers look for any excuse not to pay life insurance. That’s not true. According to the Association of British Insurers, 98% of claims were paid in 2021.

A key rule in applying for insurance is to be honest at all times. On the rare occasions when insurers dispute claim pay-outs, it’s usually because the policyholder provided inaccurate or dishonest health information.

At the very least, inconsistencies in your application/ policy will lead to delays in payment. At worst, the policy could be deemed to be null-and-void and, in short, it might not pay out.

Easy guides to help you get started

Any questions?

Any questions about family critical illness cover, please give LifeSearch a call. Our experts are here to listen to what you need, what’s going on and work with your budget to show you what’s possible to protect the life you love.

Get started with advice & quote

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LifeSearch Limited is an Appointed Representative of LifeSearch Partners Limited, who are authorised and regulated by the Financial Conduct Authority. Calls may be monitored/recorded.