We talk through your lifestyle, income, and financial goals.
Critical Illness Cover Advice That's Built Around Your Life
We offer clear, independent advice to help you understand how Critical Illness Cover could protect your finances if you’re diagnosed with a specified serious illness.
Our Solution
A Serious Diagnosis Can Disrupt Life, But You Don’t Have to Lose Control
No one plans to get ill. But when illness strikes, the financial impact can be just as overwhelming as the diagnosis.
Critical illness cover can provide breathing space, so your focus stays on treatment, recovery, and your family, not bills or borrowed time.
Critical Illness Cover That's Personal, Not Product-Led
We help you understand the protection available and how it could fit your circumstances, priorities and budget.
How We Help
Our Approach to Critical Illness Advice
We don’t start with the policy. We start with you.
At AS Financial, our protection advisers take time to understand your lifestyle, your responsibilities, and your concerns. Then we explain what critical illness cover could offer – and whether it’s a smart fit for your situation.
We’re not here to sell you a product. We’re here to help you make informed decisions. That means no jargon, no scare tactics, and no pressure.
It’s honest advice for complex choices – delivered simply, and always with your interests first.
What You Need to Know
Understanding Critical Illness Cover
Critical Illness Cover is designed to pay a lump sum if you’re diagnosed with a specified serious medical condition covered by your policy and meet the policy’s definition for that condition.
The money can provide additional financial support while you focus on treatment and recovery. Depending on your circumstances, it could help with household bills, mortgage payments, recovery costs or changes you may need to make to your home or lifestyle.
There are a few important things to understand:
Cover varies between providers.
The conditions covered and the definitions used can vary between insurers. We help you understand those differences as you consider your options.
Recovery can affect your finances.
A serious illness may mean taking time away from work or adapting your lifestyle while you recover. Critical Illness Cover can provide financial breathing space during that period.
You don’t need to have a mortgage.
Critical Illness Cover is often associated with protecting a mortgage, but a payout can also help with broader financial commitments and recovery costs.
It works best as part of a plan.
We review Critical Illness Cover alongside your wider circumstances and existing protection to understand how it fits into your overall protection plan.
Our Process
What Working With Us Looks Like
01/
Explore Your Needs
02/
Build a Protection Picture
We consider your income, financial commitments, existing cover and priorities to understand how Critical Illness Cover could fit into your wider protection plan.
03/
Compare Providers
We review the market and explain the real-world differences in policies and definitions.
04/
Application and Advice
We support you through the application, underwriting, and any medical disclosures.
05/
Ongoing Care
Your cover is active, but we’ll stay in touch if your situation changes and your plan needs a refresh.
Reviews
Client Story: Keeping a Family Financially Stable During Treatment
Start Your Protection ConversationWe never thought we’d need critical illness cover, but when I was diagnosed with breast cancer, the payout allowed us to pause, get treatment, and not worry about paying the bills for six months. AS Financial explained everything clearly and helped us pick a policy that genuinely made a difference.
Claire, Kent
Need Help
Critical Illness Cover FAQs
What conditions are covered by critical illness insurance?
The conditions covered can vary between insurers and policies.
Critical Illness Cover generally protects against specified serious medical conditions, but the exact conditions included and the definitions that must be met can differ.
Our advisers can help you compare available cover and understand the differences between policies before you decide.
Do I need this if I have life insurance?
Life Insurance and Critical Illness Cover are designed for different circumstances.
Life Insurance is designed to provide a payout if you die during the policy term, while Critical Illness Cover is designed to provide a payout if you’re diagnosed with a specified serious illness and meet the policy’s definition.
Whether one or both are appropriate depends on your circumstances, existing protection, and financial priorities.
How much cover should I get?
There’s no single amount that’s right for everyone.
The level of cover you might consider depends on factors such as your income, financial commitments, dependants and any protection you already have.
Our advisers can help you consider these alongside your circumstances and budget.
Will the insurer ask about my medical history?
Insurers will usually ask questions about your health and medical history as part of the application and underwriting process.
The required information depends on your circumstances and the insurer. It’s important to answer application questions accurately and completely so the insurer can assess your application appropriately.
We’ll support you through the entire process and explain what information may be required.