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Cromwell Associates

Health & Income Protection

Critical illness cover

A lump sum on diagnosis of a condition specified in the policy, subject to its definitions.

Policies list the conditions covered and define the severity required for a claim. Two policies naming the same illness may respond very differently, which is why the definitions matter more than the headline list.

The money is not restricted in use: it may go toward treatment, adaptations to a home, reducing borrowing, or simply time away from work.

Things worth considering

  • Claims depend on meeting the policy's exact definitions
  • Cover for children is included by some policies and not others
  • Not a substitute for income protection, and often held alongside it

Enquire about critical illness cover

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.