Life & Critical Illness Cover Combined protection for you and your family

Bundle life insurance and critical illness cover together. Get protection against death and serious illness in one policy.

Quick & Easy

No Obligation

Expert Brokers

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Quick & Easy

No Obligation

Expert Brokers

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I'd like quotes for:*

Just me

Me and my partner

Benefits of Combined Cover

One policy for complete protection.

Comprehensive Protection

Covers death and serious illness in one policy. No gaps in your protection.

Simpler to Manage

One policy, one premium, one renewal date. Less admin than separate policies.

Often Cheaper

Bundled cover can be more cost-effective than buying separate policies.

Top 5

UK Insurers

2 min

Quick Form

£0

Quote Cost

Obligation

Get a free quote and see how you could protect yours

Get Your Free Quote

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.

Combined vs Separate Policies

Understanding the difference helps you choose the right option.

Feature	Combined Policy	Two Separate Policies
Monthly cost	One premium (usually lower)	Two premiums (usually higher)
Payouts available	One payout total	Two separate payouts
After CI claim	Life cover also ends	Life cover continues
Management	One policy to manage	Two policies to manage
Flexibility	Less flexible	More flexible

With a combined policy, only one payout is made — either on critical illness diagnosis or death, whichever happens first.

Critical Illness Conditions Covered

The critical illness element typically covers around 36 conditions.

Cancer

Heart attack

Stroke

Multiple sclerosis

Kidney failure

Liver failure

Coronary artery bypass surgery

Major organ transplant

Motor neurone disease

Parkinson's disease

Blindness

Deafness

Dementia including Alzheimer's

Paralysis of limbs

Loss of limbs

Loss of speech

Heart valve surgery

Cardiomyopathy

Cardiac arrest

Benign brain tumour

Bacterial meningitis

Encephalitis

Traumatic brain injury

Third degree burns

Creutzfeldt-Jakob disease

Aplastic anaemia

Pulmonary artery surgery

Surgery to aorta

Primary pulmonary hypertension

Respiratory failure

Lung disease

Spinal stroke

Multiple system atrophy

Systemic lupus erythematosus

Removal of an eyeball

Total permanent disability

Exact conditions vary by insurer. A broker will confirm the full list for each quote.

Frequently Asked Questions

Common questions about combined life and critical illness cover.

One policy covers both death and critical illness. You pay a single monthly premium. If you're diagnosed with a covered illness, you receive a tax-free lump sum. If you pass away during the term, your beneficiaries receive the payout instead.

The full lump sum is paid to you and the entire policy ends, including the life insurance element. Your beneficiaries would no longer be covered.

Usually yes. A single combined policy typically costs less per month than buying life insurance and critical illness cover separately.

Some insurers allow different sums assured for the life and critical illness elements. A broker will call to discuss the options available.

No. Both critical illness and life insurance payouts are tax-free.