Critical illness cover. Money to help you focus on recovery.
A lump sum if you’re diagnosed with a condition covered by your policy. Neil helps you understand the cover, the definitions and how it fits with protection you already have.
100+ reviews and recommendations
Read our reviewsNot every illness is covered. Policy definitions, exclusions and terms apply.
Start with what the money would need to do.
Think about your commitments and the costs that could change during recovery.
Your home
Help with the mortgage, rent or other financial commitments.
Everyday costs
Household bills, childcare and the practical costs of family life.
Extra breathing room
Help with additional support or changes you may need.
One lump sum. A different job from income protection.
A lump sum.
Pays on an eligible claim for a condition covered by the policy. The payment can help with the financial impact of a serious illness.
Regular payments.
Can replace part of your income if illness or injury prevents you from working, subject to the policy’s terms.
Explore income protectionThese covers work differently. Neil will explain how they fit with your circumstances and any existing life cover.
Life insurance adviceThe detail matters. We’ll explain it.
You don’t need to arrive knowing which policy to ask for.
What the policy covers
The diagnosis must meet the insurer’s definition. Neil explains the conditions and exclusions.
The amount and the term
We talk through your commitments, budget and how long you need protection.
Your health and history
We help you provide accurate information and understand any terms offered.
Our support continues after the policy is arranged, including help with the claim process and paperwork.
Already have cover? Ask about a policy reviewClear answers. No pressure to know it all.
“Neil and Eleanora made us feel so comfortable … Couldn't recommend highly enough! Made things so simple!”
“Neil took time with me to explain everything clearly & was more than accommodating when answering all my questions & queries.”
A few questions about critical illness cover.
Does it cover every serious illness?
No. The policy lists the conditions covered and the definitions a diagnosis must meet. Neil will explain the key terms and exclusions.
Is it the same as life insurance?
No. They cover different events. Critical illness cover can pay on an eligible claim for a specified condition. Life insurance generally pays following death during the policy term. Neil can explain separate or combined arrangements and what happens after a claim.
What if I have an existing health condition?
Tell Neil about your medical history. Available cover and terms depend on underwriting. We can discuss the options and help you provide the information an insurer needs.
Can you review cover I already have?
Yes. Bring your policy details so Neil can explain how the cover fits your current circumstances. Keep existing cover in place while any changes are being considered.
Cover, exclusions and benefits depend on the policy and your circumstances.
Let’s make the cover clearer.
Speak to Neil by phone, video call or at our Rathfriland office.
Call 028 4176 9769