Protection Guides

Understand your protection options

Insurance jargon can be confusing. These short, visual guides explain what each type of protection actually does, how it works, and why it might matter for you and your family.

Critical Illness

A single lump sum if you are diagnosed with a serious illness.

One lump sum, paid in full

Diagnosed with a covered condition? The full amount lands at once — however it's needed

Lump sum, on diagnosis

What it is

Critical illness cover pays a single tax-free lump sum if you're diagnosed with one of a defined list of serious illnesses, such as cancer, heart attack or stroke.

How it works

1You choose a lump sum amount when you take out the policy.
2If you're diagnosed with a covered condition, you submit a claim with medical evidence.
3Once accepted, the full lump sum is paid in one go — regardless of your income or treatment cost.

Why it matters

Gives you breathing space to focus on recovery instead of finances.
Can clear your mortgage, fund private treatment, or adapt your home.
Around 1 in 2 people in the UK will be diagnosed with cancer in their lifetime — cover matters more than most expect.

These guides are general information only, not personalised advice — cover, exclusions, and pricing vary by provider and policy. Get in touch with us to find out which protection is right for you.

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