Protect you, your family and your home
Financial Protection During Life’s Toughest Moments
A serious illness can turn your world upside down – emotionally, physically, and financially. Critical illness cover offers you a financial lifeline if you are diagnosed with a specified serious illness, so you can focus on recovery, not your bills.
At Prime Mortgage Centre, we help individuals, couples, and families find affordable cover that brings peace of mind when it matters most.
What Is Critical Illness Cover?
Critical illness cover pays out a tax-free lump sum if you're diagnosed with a major illness covered by the policy. Common examples include:
-
Cancer
-
Heart attack
-
Stroke
-
Multiple sclerosis
-
Organ failure
-
Certain types of surgery
Policies differ between insurers, which is why it is so important to get tailored advice.
You can take out critical illness cover on its own, or combine it with life insurance. It is especially valuable for families or homeowners who depend on a main income.
Why Is It Important?
A serious illness often brings unexpected costs: lost income, private treatment, home adjustments, or time off work. Critical illness cover allows you to:
-
Clear or reduce your mortgage
-
Maintain your standard of living
-
Cover medical bills or private treatment
-
Take time off work without worry
-
Provide stability for your family during recovery
Who Should Consider It?
Anyone with financial responsibilities – such as a mortgage, dependents, or household bills – should consider critical illness cover. It is particularly useful if:
-
You don’t have enough savings to fall back on
-
You are self-employed or your employer doesn’t offer long-term sick pay
-
You would struggle financially if you were off work for a long period
How We Help
At Prime Mortgage Centre, we make sure you understand exactly what is covered – and what is not. We will walk you through:
-
Which illnesses are covered by different insurers
-
Any survival periods, exclusions, or policy limitations
-
How much cover you need and how long for
-
How this integrates with other protection, like life insurance or income protection
We only recommend policies we genuinely believe are suitable for your needs and budget.
Get Covered With Confidence
We know that talking about illness is not always easy, but the right protection can make all the difference. With clear advice and trusted support, we will help you put the right cover in place – just in case life takes an unexpected turn.
Let us talk about protecting your health and home today.