Critical Illness
Critical Illness Cover provides a tax free lump sum if you are diagnosed with a serious condition. It helps ease financial pressure so you can focus on recovery without worrying about money.
When should I think about Critical Illness Cover?
It’s a good idea to think about Critical Illness Cover whenever you take on new financial commitments or have people who depend on your income — for example, when buying a home, starting a family, or changing jobs.
This type of cover pays out a lump sum if you’re diagnosed with a serious illness covered by your policy, helping you focus on recovery rather than worrying about money. The right time is different for everyone, but generally, the earlier you arrange it, the more affordable it can be.
At KeyFS, we’ll talk through your situation and help you decide if Critical Illness Cover is right for you - and if so, how much protection you really need.
Why is Critical Illness Cover important?
Life cover is a vital safety net for your family if the worst happens, but what if you’re not gone, just unable to work because of a serious illness? That’s where Critical Illness Cover steps in.
It provides a tax free lump sum if you’re diagnosed with a major condition such as cancer, heart attack or stroke. The money can be used however you need, from covering your mortgage and household bills to funding treatment or giving you time to recover without financial stress.
It’s the cover that protects you while you’re still here, helping you and your family stay secure when life takes an unexpected turn.
What if I do not have Critical Illness Cover?
If you don’t have Critical Illness Cover and you’re diagnosed with a serious condition, you may have to rely on savings, sick pay from work, or government support to cover your everyday costs. For many people, that income might not be enough to keep up with bills, loan repayments, or mortgage payments.
Without this cover in place, a serious illness can quickly turn into financial pressure - and in some cases, it could even put your home at risk if you’re unable to keep up with your mortgage.
Having Critical Illness Cover gives you peace of mind that if the unexpected happens, you’ll have the financial support to stay on top of your commitments and protect your home while you focus on getting better.
Cancer is bad enough, cancer and losing your home is worse, and avoidable
Ready to take the next step? Get in touch with the KeyFS team today to talk through your options. We’ll listen, understand your needs, and help you find the right protection to give you and your family complete peace of mind.
Insurance answers
We know talking about insurance isn’t always easy, but protecting your family’s future is one of the most important financial decisions you can make. At KeyFS, we’re here to make it simple, clear, and completely transparent.
Paul and Aynsley help families every day to find cover that gives peace of mind - whether that’s life insurance, critical illness cover, or income protection. Below, we’ve answered some of the most common questions people ask when thinking about protecting the people who matter most.
Critical Illness Cover pays out once, whereas income protection pays a monthly income if you can’t work due to illness. Many people choose to have both for broader protection.
Policies only pay out for specific conditions, usually only if they meet a defined severity level. That’s why getting advice and choosing the right policy is essential.
The payout is yours to use in any way, to cover your mortgage, pay for treatment, take time off work, or adapt your home if needed.
You’ll receive a lump sum if you’re diagnosed with an illness listed in your policy, typically including cancer, heart attack, stroke, and other major conditions.
It's time to make the right choice for yourself and your family.
Choosing the right protection can feel overwhelming, especially with so many types of cover and insurers to choose from. That’s why taking expert advice matters.
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We offer free, no-obligation advice on products from a panel of leading insurers, helping you understand what you really need, what you don’t, and which options offer the best value for your circumstances.