Critical illness Trusted, Reliable Insurance For All

Financially protect yourself against any of life’s unexpected events.

Serious health challenges can strike any time, but with Manor Financial’s comprehensive critical illness protection, you’re completely safeguarding your financial well-being, so you can focus on the most important thing – your recovery.

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Just 3 simple steps

To complete your journey to financial protection security for you and your family.

What is a critical illness insurance policy?

Critical Illness Insurance pays out a significant sum of money if you are diagnosed with any illnesses covered by your policy.

Imagine facing a critical illness such as cancer, a heart or brain condition – the fight, the worry, the potential income dip that would inevitably follow. Critical illness cover throws you a lifeline; a financial cushion to help you focus on healing, rather than the bills and the stress that could make your condition worse!

Even if you are unable to work due to a serious illness, you are in complete control, and you can decide whether to clear an outstanding mortgage balance, or access invaluable financial help that will cover a few years’ salary.

critical illness policy, doctor

How does it work?

Critical illness cover can be taken on its own, or alongside a life insurance policy, to fully insulate you against serious illness or death occuring.

You need to work out how much cover you need and specifically what you’d like protection against; areas that the Manor Financial team can help with. From paying down your mortgage, replace your salary for months or a few years whilst you recover, to paying for any specialist medical costs.

Similar to life insurance, you choose the length of your cover. As long as you are diagnosed within the term of the policy, and your diagnosis meets the conditions set by the insurer, it will pay out financially. You can also decrease or increase cover, as well as choose a single or joint plan, to protect your spouse or other family members.

The most common types of critical illness claims are for Cancer, Heart Attacks and Strokes. Depending on your insurer you will be covered for anything up to 180+ conditions. Each insurer will have their own criteria so it’s important to understand the terms and conditions of your plan. Again, this is something the team at Manor Financial can expertly assist you with.

Why take out critical illness cover?

Financial Security – If you became critically ill, a lump sum payment could really help your family through a difficult time, especially when depending on the severity of the illness, you may never be well enough to return to work.

Medical Costs – Depending on your diagnosis you may want the best possible medical help. Critical Illness can provide you with a financial security to ease the cost of private medical bills.

Mortgage – You can choose to have a critical illness policy to clear an outstanding mortgage debt if you are diagnosed as critically ill, giving you peace of mind that you and your family won’t be burdened with mortgage payments along the road to your recovery.

Critical illness banner heart
Doctor, nurses, healthcare sector

How much does critical illness cover cost?

According to Cancer Research UK, around 1 in 4 new cancer cases diagnosed every year are among people aged under 60

The cost of critical illness cover will vary depending on a few factors. These factors are:
  • Your health
  • Your age
  • Amount of cover you require
  • Length of your policy
  • Smoker status

Life insurance vs critical illness cover:

What are the key differences between Life Insurance and Critical Illness Cover?

  • Trigger event: Life insurance pays out upon death, while critical illness cover pays out upon diagnosis of a specific covered illness while alive.
  • Beneficiary: Life insurance benefits go to loved ones after your death, while critical illness benefits go directly to you for your financial support and recovery.
  • Cost: Critical illness cover is generally more expensive due to higher number of claims.
  • Claim type: Life insurance offers a one-time payout, while critical illness cover may offer additional options like childcare cover or staggered payments.
  • Impact on Income: Life insurance: Doesn’t replace your income, but provides a lump sum to help your beneficiaries or loved one copy with the lose of your financial support and lifestyle. Critical illness cover: Doesn’t generally replace your income long-term, but can will cover lost wages or additional expenses during treatment and recovery.
Remember, both are valuable forms of insurance, and the best option and level of cover depends on your individual needs and circumstances.
critical illness policy

Product Matrix

Comparison table of our insurance products

Benefit Income Protection Life Insurance Home Insurance Over 50's Cover Private Healthcare Critical Illness Cover Inheritance Tax Reduction
Protects homeowners by covering repairs/rebuild costs
Offers tax-free payouts to beneficiaries
Provides ongoing income to replace lost income/salary
Pays a lump sum on death

green tick (lump sum)

Provides financial security for loved ones (as ongoing income)

green tick (lump sum)

green tick (lump sum)

green tick (lump sum)

green tick (lump sum)

May cover pre-existing medical conditions (limited exceptions)
Offers access to private medical treatment
May offer additional benefits

(accident cover, rehabilitation)

(funeral expenses, child support)

(contents cover, alternative accommodation)

(dental, mental health)

(trusts, life insurance policies)

Our customers

To continuously improve our service and built better products, we strongly believe in encouraging customers to feedback what’s working and where improvements could be made. To support this, we teamed up with the brilliant Reviews.IO, so everyone can leave honest reviews for everyone to see, in real time.

FAQs

Critical Illness and Life Insurance specialists
Like any insurance policy, you don’t have to have Critical Illness Cover. However, this type of cover might be right for you, if you have little or no savings to cover your outgoings if you were diagnosed with a life-threatening illness.
You can choose to cover yourself on Critical Illness for as long as you need it, but usually, most insurers will only cover you up to the age of 75.
This will vary from insurer to insurer. The majority will all cover the most common types of critical illnesses, such as – Cancer, Heart Attacks, Strokes, Tumours, Multiple Sclerosis. The number of conditions covered can vary from 10-182 serious illnesses.
Certain policies will have children’s critical illness cover included as standard but not always. It’s important to ask your adviser if your child is included, or which insurer will do this for you.

Why choose
Manor Financial?

Over many years we have developed a hard-earned reputation for our honesty, no obligation quotes, relaxed approach and reliable & flexible insurance products.
  • A comprehensive range of custom policies
  • Affordable prices
  • Flexible payment plans
  • No obligation quotes
  • Experienced advisors
  • Compare the market broker service
  • After sales support
  • Claims support
  • Additional benefits

While providing market leading insurances options, useful features and after sales support, for ALL our customers. As experienced, respected insurance brokers, our key strength is listening to what customers really need to feel financially protected and providing them with trusted and fully transparent advisors to help them make the right decisions about protecting their income, property, families, and futures.

Contact Us

If you have any questions about any of our policies, from income protection, life or home insurance to one of our more specialist policies; or would simply like a ‘no obligation’ quote, we’d love to take your call on
0800 368 7533.

Alternatively complete our quick and easy form, and a member of our team will be in touch shortly.

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Only 7% of British workers have Income Protection – Protect your wages, should you be unable to work due to sickness or injury.

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