A financial cushion when you need it most
A serious diagnosis changes everything. Critical illness cover pays a tax-free lump sum so money is one thing you don't have to worry about while you recover.
Focus on recovery, not the bills
None of us plans to get seriously ill - but if it happens, the financial impact can be as hard as the health impact. Time off work, travel to treatment, changes at home: the costs arrive exactly when you're least able to deal with them.
Critical illness cover pays out on diagnosis of a specified condition, giving you choices: clear or reduce the mortgage, fund private treatment, or simply take the pressure off while you get better. We'll compare insurers' condition lists and definitions carefully - because the detail is what determines whether a claim pays.
Critical illness advice that looks at the detail
Condition coverage compared
Insurers' lists and definitions vary widely - we compare what actually matters, not just headline numbers.
The right amount
Sized to your mortgage and outgoings so the payout genuinely removes financial pressure.
Combined or standalone
Life plus critical illness in one policy, or kept separate - we'll show you the cost and flexibility trade-offs.
Children's cover
Many policies include children's critical illness cover at no extra cost - we'll make sure you know what's included.
Honest disclosure support
We guide you through the health questions carefully, so your cover stands up when you need it.
Part of a wider plan
Critical illness works alongside income protection and life cover - we'll build the combination that fits your budget.
Explore critical illness cover
Book a free consultation - we'll talk through your situation and come back with clear options and prices.
Or visit our contact pageWhat our protection customers say
"Caring, patient and never pushy. We came away with cover we understood and a plan that protects our children if anything happens to us."
"I'd put off looking at income protection for years. Silver Oak explained it in five minutes flat and helped me pick cover that actually fit my budget."
"When we took out our mortgage they made sure we weren't left exposed. The whole protection conversation felt genuinely about us, not a sales pitch."