At Empire Mortgages, we understand that life can change in an instant. Critical illness cover is designed to give you peace of mind should the unexpected happen—providing a financial safety net when you’re diagnosed with a serious medical condition. Whether you want to protect your income, support your family, or cover medical expenses, we’re here to guide you through your options and find the right protection for your needs.
Critical illness cover is a type of insurance that pays out a tax-free lump sum if you’re diagnosed with a serious illness covered by the policy. This money can be used however you need—from covering everyday bills and your mortgage, to funding treatment or helping your family maintain their lifestyle while you recover.
It’s different from life insurance in that it provides living protection—supporting you during life-changing events rather than after death. Many clients choose to have both types of cover for complete peace of mind.
Every policy will list specific medical conditions it covers, but most include:
Each insurer defines illnesses slightly differently, which is why it’s vital to get expert advice. We help you understand what’s included, what’s excluded, and how each provider compares—so there are no surprises later.
Some policies also offer cover for less severe illnesses, or children’s critical illness cover as an add-on, offering even broader protection for your family.
We’re not just mortgage brokers—we’re protection specialists too. With over 60 years of combined experience, we provide honest, clear, and friendly advice that’s tailored to you.
Here’s how we support you:
Our goal is to give you confidence and clarity—so you can protect what matters most.
A serious illness doesn’t just affect your health—it can impact your ability to work, your financial stability, and your family’s day-to-day life. Critical illness insurance offers a way to ease the financial burden and allow you to focus on your recovery. It can help:
Even if you have some savings, a lump sum payout can give you breathing space during a very difficult time.
A serious illness can turn life upside down. But with the right critical illness cover in place, you’ll have financial protection to help you get through it. Let’s talk about how to make sure you’re covered. Contact us today.
Yes—serious illness can lead to long recovery times and unexpected expenses. Cover can preserve your savings and give you additional peace of mind.
Yes, although it may affect cost or exclusions. We’ll help you find an insurer who offers the best terms for your health history.
No—you don’t need to be in employment to be eligible. The cover protects your finances regardless of your work status.
Yes, many policies offer optional children’s critical illness cover, giving your family extra protection and support.
Recommend a friend who is new to Empire Mortgages and if they then take out their mortgage with us, you’ll each receive £50 worth of vouchers.
The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
Empire Mortgages Ltd is an Appointed Representative of PRIMIS Mortgage Network, a trading name of TenetLime Ltd. TenetLime Ltd is authorised and regulated by the Financial Conduct Authority. Tenet Lime Ltd is entered on the Financial Services Register (www.fca.org.uk/register) under reference 150643.
Empire Mortgages Ltd may charge a fee for mortgage advice. The amount of the fee will depend on your circumstances and will be discussed and agreed with you at the earliest opportunity. Our typical fee is £295 payable on receipt of a full mortgage offer.
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Registered office address: Unit 9, Flexspace, Pitreavie Business Park, Dunfermline, KY11 8UU
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