We talk through your lifestyle, income, and financial goals.
Critical Illness Cover That’s Built Around You
Straightforward, needs-led advice to help you protect your income, your independence, and the people who rely on you, if life takes an unexpected turn.
Our Solution
A Serious Diagnosis Can Disrupt Life, But You Don’t Have to Lose Control
No one plans to get ill. But when illness strikes, the financial impact can be just as overwhelming as the diagnosis.
Critical illness cover can provide breathing space, so your focus stays on treatment, recovery, and your family, not bills or borrowed time.
At AS Financial, we see protection as a plan, not a product. One that’s personal, flexible, and focused on giving you choices when you need them most.
Speak To a Protection Specialist About Your OptionsHow We Help
Our Approach to Critical Illness Advice
We don’t start with the policy. We start with you.
At AS Financial, our protection advisers take time to understand your lifestyle, your responsibilities, and your concerns. Then we explain what critical illness cover could offer – and whether it’s a smart fit for your situation.
We’re not here to sell you a product. We’re here to help you make informed decisions. That means no jargon, no scare tactics, and no pressure.
It’s honest advice for complex choices – delivered simply, and always with your interests first.
What You Need to Know
Understanding Critical Illness Cover
Critical illness cover pays out a lump sum if you’re diagnosed with a serious medical condition covered by your policy.
That money can help you cover household bills if you can’t work, fund private treatment or recovery costs and make changes to your home or lifestyle. Here are a few important facts:
Cover varies between providers.
Each insurer includes different illnesses and definitions. We help you cut through the complexity.
Survival rates are improving.
More people are surviving serious conditions like cancer and stroke, but recovery takes time, and time needs financial support.
You don’t need to have a mortgage.
This isn’t just about protecting a home loan. It’s about protecting your ability to live well, however your health changes.
It works best as part of a plan.
We often combine critical illness cover with other types of protection, tailored to your goals and budget.
Our Process
What Working With Us Looks Like
01/
Explore Your Needs
02/
Build a Protection Picture
We look at how critical illness cover fits into your wider security plan.
03/
Compare Providers
We review the market and explain the real-world differences in policies and definitions.
04/
Application and Advice
We support you through the application, underwriting, and any medical disclosures.
05/
Ongoing Care
Your cover is active, but we’ll stay in touch if your situation changes and your plan needs a refresh.
Reviews
Client Story: Keeping a Family Financially Stable During Treatment
Start Your Protection ConversationWe never thought we’d need critical illness cover, but when I was diagnosed with breast cancer, the payout allowed us to pause, get treatment, and not worry about paying the bills for six months. AS Financial explained everything clearly and helped us pick a policy that genuinely made a difference.
Claire, Kent
Need Help
Critical Illness Cover FAQs
What conditions are covered by critical illness insurance?
It depends on the provider, but common conditions include cancer, heart attacks, and strokes. We help you compare cover in real term
Do I need this if I have life insurance?
They serve different purposes. Life insurance pays out when you die. Critical illness helps while you’re still alive and recovering. Many people choose both.
How much cover should I get?
That depends on your income, responsibilities, and goals. We’ll help you find the right level without overcommitting financially.
Will the insurer ask about my medical history?
Usually, yes. But we guide you through what to disclose and how to present your application clearly and confidently.