Building & Contents Insurance

Life and Critical Illness Cover

Life and Critical Illness cover provides a lump sum or monthly benefit in case of the death or critical illness of the policy holder, enabling the remaining members of the family to be able to continue the same standard of living.

Level Term policies maintain the same sum assured throughout the term of the policy. This is designed for extra peace of mind for the policyholder and their family.

Decreasing Term policies have a decreasing sum assured as the term progresses to run in line with a repayment mortgage.

It is possible to add integrated Critical Illness Cover to both Level or Decreasing Term cover.

With Life Assurance and Critical Illness policies, the price for premiums will be based on:

  • your age
  • your health
  • how long you want the cover for
  • the level of cover you need
  • your smoker status


Some of the covered specific medical conditions or injuries listed in a Critical Illness Cover policy might be:

  • Heart Attack
  • Stroke
  • Alzheimer’s Disease or Pre-Senile Dementia
  • Parkinson’s Disease
  • Cardiac Arrest
  • Crohn’s Disease
  • Heart Value Replacement or Repair
  • Kidney Failure
  • Liver Failure
  • Rheumatoid Arthritis
  • Severe Lung Disease
  • Blindness
  • Deafness
  • Loss of Speech
  • Conditions such as Multiple Sclerosis
  • Certain types & stages of Cancer
  • Most policies will also consider permanent disabilities as a result of injury or illness


It is important to be aware that not all conditions are covered and the policy will also state how serious the condition must be.

It is possible to also add ‘Waiver Of Premiums’ to Life Assurance policies. Waiver of Premiums is where the premiums would be paid on the policyholders behalf. There is an extra cost for adding this to a policy.

To discuss your insurance requirements further, please feel free to contact us at your earliest convenience.

Our office is based in Cambridge city centre with car parking if you wish to visit us at the office, or we can discuss this with you by telephone.

We do not charge our new or existing customers a fee for providing initial quotations or arranging cover for any of the insurances that we offer.

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