Critical illness cover provides a tax-free lump sum if you’re diagnosed with a specified serious illness or medical condition during the policy term. This financial support can help reduce pressure at a difficult time, allowing you to focus on recovery.

At Northants Mortgages, we offer clear, straightforward critical illness cover advice, helping you arrange protection that fits your needs and circumstances.

How Critical Illness Cover Works

If you’re diagnosed with a covered condition and meet the policy definition, critical illness cover pays out a lump sum. This money can be used however you choose, such as:

  • Covering mortgage or rent payments
  • Managing household bills
  • Funding treatment, recovery, or lifestyle adjustments

The illnesses covered and definitions vary by policy, which is why advice is important.

Who Critical Illness Cover Is For

Critical illness cover may be suitable if:

  • You want financial support alongside life insurance
  • You have ongoing financial commitments
  • You’d like a safety net in the event of serious illness

It can be arranged on its own or combined with life insurance for broader protection.

Clear Advice, No Jargon

We’ll help you understand:

  • What conditions are covered
  • How much cover may be appropriate
  • How critical illness cover fits alongside other protection

Our aim is to help you make informed decisions with confidence.

Talk to us about YOUR cover

Tell us a little about your home and what you’d like to protect, and we’ll be in touch to talk through your options with clear, straightforward advice.