Critical Illness Cover

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 Dunfermline

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.

What Does Critical Illness Cover Include?

Every policy will list specific medical conditions it covers, but most include:

Cancer (various types)
Heart attack
Stroke
Multiple sclerosis
Organ failure
Parkinson’s disease
Major organ transplant

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.

How Empire Mortgages Can Help

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:

Search the whole of the market to find the best value cover
Help you understand the small print—no jargon, just straight talk
Ensure your cover fits your budget and needs
Offer ongoing support, including help with claims if ever needed

Our goal is to give you confidence and clarity—so you can protect what matters most.

Why Consider Critical Illness Cover?

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:

Pay off or reduce your mortgage
Replace lost income during recovery
Fund private treatment or therapy
Cover everyday living costs like bills, groceries, and childcare
Support your family if you’re unable to provide

Even if you have some savings, a lump sum payout can give you breathing space during a very difficult time.

Contact Empire Mortgages Today

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.

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Critical Illness Cover FAQs

Is critical illness cover worth it if I already have savings?

Yes—serious illness can lead to long recovery times and unexpected expenses. Cover can preserve your savings and give you additional peace of mind.

Can I get cover if I’ve had health issues before?

Yes, although it may affect cost or exclusions. We’ll help you find an insurer who offers the best terms for your health history.

Do I need to be working to get cover?

No—you don’t need to be in employment to be eligible. The cover protects your finances regardless of your work status.

Can I get cover for my children?

Yes, many policies offer optional children’s critical illness cover, giving your family extra protection and support.

Refer a Friend Scheme

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.