At Mortgage Knight, we help clients across the UK find the right critical illness cover — whether you’re employed, self-employed, a parent, or simply want peace of mind.
At Mortgage Knight, we help clients across the UK find the right critical illness cover — whether you’re employed, self-employed, a parent, or simply want peace of mind.
You’ll be paid a lump sum if you’re diagnosed with one of the insurer’s listed serious illnesses (and survive a set period — usually 10–14 days).
Most policies cover:
Some policies offer partial payouts for early-stage cancers or less severe conditions — we’ll help you choose the right level of cover.
Pays a lump sum you can use however you wish
Helps cover mortgage payments, rent, bills, or childcare
Gives you options for private treatment or extended recovery
Lets you focus on your health, not your finances
Often added to life insurance or income protection plans
Even if you already have life insurance, it’s worth considering what happens if you survive — but can’t work or need time off. That’s where critical illness protection fills the gap.
Marcus had no sick pay or employer benefits. When he had a heart attack at 42, his standalone critical illness policy gave him £75,000 — covering rent, business expenses and treatment costs while he took time off.
Laura and Dan included child critical illness cover in their family policy. When their son was diagnosed with leukaemia, the policy paid out £25,000 — helping with time off work, travel, and adapting the home.
Don’t wait until it’s too late. Critical illness cover gives you a financial safety net — so you can focus on getting better, not on paying the bills.
Speak to Mortgage Knight today, and we’ll help you find the right policy for your needs, budget and lifestyle.
A: Life insurance pays if you pass away. Critical illness pays if you survive a serious illness, giving you money to live on while you recover.
A: Yes. Many people choose combined life and critical illness cover so their mortgage is protected whether they die or fall seriously ill.
A: It varies by insurer, but most cover cancer, heart attack, stroke, MS, major organ failure, and permanent disability. We’ll help you compare the best ones.
A: Possibly — but it may come with exclusions or a higher premium. We’ll search the market to find the insurer most likely to accept your case.
A: Anything you want — including mortgage payments, private medical care, household bills, or even taking a career break to recover properly.
A: It depends on your age, health and cover amount — but some policies start from under £15/month. We’ll help you get value for money without compromising on quality.
