The risk of living through a critical illness during your working life is increasing. Every year more than a million people in the UK find themselves unable to work after injuring themselves or falling ill. Despite this, a huge amount of people are living without the necessary protection to cover the financial strain that a critical illness diagnosis could impose.

Critical Illness cover can be covered through a standalone policy but is often added to either a level term assurance or mortgage protection policy. Many of the conditions covered may leave you unable to work or have a lasting impact on your general health which could cause you to make significant changes to your lifestyle or alterations to your home.

If you are unfortunate enough to be diagnosed with a critical illness during the policy term, your insurer will pay out the amount you're covered for. You can use this to pay for treatment, make appropriate alterations to your home (should this be required), cover household bills or general expenses.

At UrbanSpencer we have the knowledge and experience to advise you on what policy is best and we'll work with your budget to obtain the maximum cover possible.
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