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Cromwell Associates

When earning stops but the bills do not

Protecting your health, and the income behind it

Three different products are often confused with one another. Life insurance may pay out on death. Critical illness cover may pay a lump sum on the diagnosis of a specified condition, whether or not you can still work. Income protection may pay a regular replacement income when illness or injury stops you working, usually after a waiting period.

Most households are more likely to face a long absence from work than an early death, yet income is the thing least often insured. It is worth at least considering.

We help you understand which of these products responds to which risk, and connect you with a specialist who can advise on the detail.

Clear distinctions

We separate lump-sum cover from income replacement so you know exactly what each arrangement is meant to do.

Built around how you earn

Employed, self-employed and company directors face different gaps. The right shape of cover follows the way income actually reaches you.

Health considered properly

Existing conditions do not automatically mean no cover — they mean a case that needs to be presented carefully.

In this area

Health & Income Protection enquiries we coordinate

Critical illness coverA lump sum on diagnosis of a condition specified in the policy, subject to its definitions.Read moreIncome protectionRegular replacement income when illness or injury prevents you working.Read moreExecutive income protectionCompany-funded income protection for directors and key employees.Read morePrivate medical insuranceCover toward the cost of eligible private treatment, subject to policy terms.Read moreRelevant life insuranceDeath-in-service style cover arranged by a business for an individual employee or director.Read moreWaiver of premiumAn option that may keep a policy in force while you are unable to work.Read moreSelf-employed protectionCover for people with no sick pay, no death-in-service and variable income.Read more

Where we work

Areas we coordinate enquiries from

What happens next

Four steps, no obligation at any of them

  1. 01

    You tell us what matters

    A short guided enquiry, or a message in your own words. Only what is needed to route the enquiry, and nothing is committed.

  2. 02

    One named contact reads it

    Personally, not through a call centre. If anything is unclear we come back to you using the contact preference you chose.

  3. 03

    We introduce you to the right specialist

    Only with your agreement. Where regulated advice is required, the introduction is to an appropriately authorised specialist.

  4. 04

    They take it from there

    The specialist is responsible for advice, documents, quotations and terms. We stay available to coordinate connected needs.

Cromwell Associates coordinates enquiries and makes introductions. It does not provide regulated financial, legal or tax advice.

Arrange a confidential consultation

Tell us what you would like to protect or resolve. One named contact will read your enquiry personally and come back to you.

  • One dedicated point of contact
  • No call centres
  • Introductions handled discreetly
  • Serving Hampshire, West Sussex, Surrey and the Isle of Wight

Cromwell Associates coordinates enquiries and introduces clients to appropriately qualified specialists. We do not provide regulated financial, legal or tax advice, and submitting this form places you under no obligation.

Your enquiry is reviewed personally before any introduction is made.

Please do not send medical details, account numbers or other sensitive information. Cromwell Associates is an enquiry and introduction service: it does not give advice, recommend policies or arrange cover. Insurance introductions are passed on by hand to a suitable specialist, and other services to an appropriate partner. Cromwell Associates may receive a referral payment if you go on to use a service.

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