A serious medical diagnosis is life-changing, and the last thing you should have to worry about during recovery is how to pay the bills. As independent insurance brokers based in Coventry, we help families across the Midlands secure comprehensive protection that pays out a tax-free lump sum upon diagnosis. You can speak with a critical illness specialist today to see how easy it is to safeguard your family's future.

Many people think, “it won’t happen to me”, but illness can strike at any age, and with most households dependent on two incomes, even a few months off work could cause real financial strain.

Critical illness cover is especially important if:

You’d struggle to keep up with your mortgage or rent without your income
You have children or dependents relying on your salary
You’re self-employed and don’t receive sick pay
You don’t have substantial savings to fall back on
You want financial breathing space if you need to recover long-term

Not all critical illness policies are built the same; high-street comparison sites often prioritise the cheapest premiums, which frequently hide restrictive medical definitions and fewer covered conditions. Because we are independent, we evaluate the comprehensive underwriting of the UK's top providers to find real quality that covers your specific lifestyle or family medical history. To map out a policy that gives you genuine peace of mind, you can request an independent critical illness review with our local team.

We explain your options in plain English, no jargon, no guesswork

We compare policies across the market, not just from one insurer

We tailor your protection to match your mortgage, income, and family needs

We highlight key terms and exclusions, so you know exactly what you’re getting

We handle the application for you, saving time and reducing hassle

How can we help you?

Know your budget

Get a quick estimate of your buying power based on your income and budget.

Get mortgage in principle

Secure a lender-backed agreement to strengthen your offer on a property.

See your monthly payments

See what your monthly payments could look like with our easy mortgage calculator.

Find out what you can afford in minutes

Get clarity before you start house hunting

Understanding what you can realistically afford is the first step towards a stress-free home-buying journey. Our affordability tool gives you a quick, realistic estimate of how much you may be able to borrow, based on your income, outgoings, and deposit.

A quick check, with no impact on your credit score

The tool is completely free to use, takes just a couple of minutes, and won’t affect your credit score — so you can explore your options with confidence and no pressure.

Plan with confidence, whatever your next step

Whether you’re a first-time buyer, moving home, or simply exploring what’s possible, this check helps you set a clear budget, focus on the right properties, and avoid unwelcome surprises later on.

Independent critical illness cover in Coventry & Warwickshire

Rate match guarantee

You won't find a better deal anywhere else and if you do we will pay the difference!

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