Critical Illness & Income Protection Lump sum plus monthly income when you need it most

Critical illness cover pays a one-off lump sum if you're diagnosed with a serious illness. Income protection pays a monthly income if you can't work due to any illness or injury. Together, they provide complete financial security.

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Understanding Your Options

Two different types of protection that work well together.

Critical Illness Cover

Pays a tax-free lump sum if you're diagnosed with a specific serious illness like cancer, heart attack, or stroke. One payment, use it however you need.

Income Protection

Pays a monthly income (up to 60-70% of salary) if you can't work due to any illness or injury. Continues until you return to work or the policy ends.

Why Have Both?

CI covers the big financial shock of a serious diagnosis. Income protection covers the ongoing loss of earnings for any health issue. A broker will call to discuss combining both for complete protection.

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How It Works

Getting insurance quotes is simple. Here's how the process works.

Complete the Form

Answer a few simple questions about yourself and the level of cover you're looking for. It only takes a couple of minutes.

Receive a Callback

A specialist broker will call you back to discuss your requirements and answer any questions you may have.

Compare Your Options

The broker will present quotes from leading insurers so you can compare options and choose the cover that's right for you. There's no obligation to proceed.

Critical Illness vs Income Protection

Feature	Critical Illness	Income Protection
Payout type	One-off tax-free lump sum	Monthly payments (up to 60-70% salary)
Triggers	Diagnosis of specific conditions	Any illness or injury stopping you working
Duration	Single payment, policy ends	Pays until you return to work or policy ends
Covers	Around 36 named conditions	Any condition that prevents working
Typical use	Clear mortgage, fund treatment	Replace monthly income

Many people benefit from having both types of cover. A broker will call to discuss which combination suits your circumstances.

Frequently Asked Questions

Critical illness pays a one-off tax-free lump sum if you’re diagnosed with a specific serious condition like cancer or heart attack. Income protection pays a monthly income (up to 60-70% of salary) if you can’t work due to any illness or injury.

They cover different risks. Critical illness handles the financial shock of a serious diagnosis. Income protection replaces your monthly income for any health issue. Together they provide complete protection. A broker will call to discuss what makes sense for you.

Some insurers offer life insurance with both critical illness and income protection included. Others require separate policies. A broker will call to compare the options.

It depends on your circumstances. If you have a mortgage, critical illness cover may be the priority. If you rely on your salary for monthly bills, income protection may be more urgent. A broker will call to help you decide.

If you pay the premiums yourself, income protection payouts are tax-free. Critical illness payouts are always tax-free.