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Professional Critical Illness Cover Advice

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Life Cover

Why You Need a Critical Illness Cover Broker

Having a plan in place if you or a loved one suffers from a severe illness is essential for financial planning. Therefore, a crucial step to preparing for emergencies is to buy critical illness insurance.

Understanding the variety of options on the market can be tough. Our life insurance advice team is here to provide the helping hand you need. With an incredible depth of knowledge, the PBS team offers one of the most tailored and reliable advice services around. Call us today on 07765 738 796, or use our online contact form – a member of our team will be in touch.

How Our Critical Illness Cover Advisor Works

Here at PBS, we offer comprehensive critical illness insurance advice packages to help you find the best policy. No one wants to think about having a critical illness, but by securing reliable illness cover, you won’t have to worry about your finances should you hear some bad news.
We can take care of everything from hunting down the best deal to solicitor liaison.

How We Charge

All of our services are tailor-made to the client. Because of this, we only ever charge on a case-by-case basis. You’ll never have to pay for additional features you don’t need and will always know what you’ve signed up for.

What’s Included In The Service?

First, we’ll take the time to understand your specific needs and situation. This is the most important part of the process and will influence any advice we provide. Following this, we’ll search the market for the very best critical illness insurance policies and report back with our findings.

Thanks to our close relationships with a number of leading insurers, we can often secure better deals on critical illness cover than you’d get by going direct. However, we’ll never push you towards any particular insurer if there are better policies for you elsewhere.

Aside from finding you a great deal with the lowest monthly premiums we can negotiate, we’ll also take care of any paperwork, payment management and insurer liaison. The whole process can be completely hands-off on your end if you want it to be.

Which Lenders Do We Work With?

Unlike many of our competitors, we work with all of the major life insurance providers. You’ll never find yourself pressured into taking out a policy with a particular lender. Instead, we’ll put your best interests front and centre and insure you get the right critical illness cover for your circumstances.

To find out more about our life cover services, don’t hesitate to contact us on 07765 738796. We are a Manchester-based business but we work nationwide.

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Why Choose PBS For Critical Illness Cover Advice?

  • Experienced team. With an incredible bank of knowledge and experience, you won’t find another advice team with a better chance of securing you a great deal on critical illness cover. We’re also happy to answer any questions that you might have about critical illness cover.
  • Great relationships with leading insurers. Over the years, we’ve built up great relationships with some of the leading names in the insurance business. As a result, we can often negotiate better deals.
  • Full market coverage. Unlike some insurance solution companies, we don’t push our clients towards partnered insurers. We observe the whole market before making a decision.
  • All in one solution. We handle everything, from admin and payment management, insurer chasing and solicitor consultation.
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What Is Critical Illness Cover?

Critical illness cover pays you if you are diagnosed with a critical illness. If this were to occur, your insurance company would provide a lump sum of money. This money is tax-free and can help reduce the financial impact of falling critically ill.

Should you need to make a critical illness claim, you can use your illness cover towards paying off bills to cover household expenses, travel costs or even experimental medical treatments not covered by the government.

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How Does Critical Illness Cover Work?

A critical illness insurance policy is a type of insurance that you can purchase alongside a life insurance policy. It generally costs about the same amount as a term life policy and covers cancer, heart attack, or stroke. The insurance company will provide you with money if you are diagnosed with one of these illnesses. If the illness does not cause your death, this benefit will be yours to keep.

You can use this money for anything from paying off bills to taking time off work or even using it towards experimental medical treatments that your provincial health plan does not cover. Since you can spend it on anything, this type of insurance is very important and should help ease the financial burden on you and your family if you ever fall ill with a serious illness.


Client Reviews

  • Highly recommended. Katie was fantastic helping us sort our mortgage out for our property. Thank you for all your work!

    Wendy Moran
  • Absolutely amazing service. Efficient and professional. Regular contact and updates. Katie Brookes arranged my mortgage and insurance. I would highly recommended.

    Ellie Shackleton
  • Great service and great advice, just renewed our mortgage with PBS, got me a much better deal than previous and gave some great advice around releasing some equity. Would highly recommend.

    Tez Hargreaves
  • We couldn’t thank Joe and Katie at PBS enough. Every question we had as new time buyers and inquiries we had to make were always answered no matter the time of week.

    Meghan Louise
  • Great service from Joe, helped us with 2 mortgages and got great deals on both, great service and communications all the way through the process

    Gareth Stone
  • Cant thank Joe and PBS Solutions enough. Joe was extremely helpful and made the transition a very simple and smooth process. Would highly recommend PBS Mortgage Solutions

    Kellie Plummer
  • Thank you so much for arranging our first mortgage together, excellent communication and service, provided by Joe. would highly recommend

    Iona Singleton
  • Excellent service- Joe has been really helpful and can’t thank him enough for the advice and guidance while going through the buying process. Would definitely recommend.

    Adam Booth
  • Great service, sorted quickly and answered any questions I needed. Got me a very good deal. Would 100% recommend

    John Atkinson
  • Joe has been a great help to us in finding us the right mortgage to suit us and explained everything clearly. With the added bonus of the lifetime mortgage review. We will definitely recommend.

    Dean Ribalta

Contact PBS Today For Critical Illness Cover Advice

At PBS, we’re passionate about critical illness cover and everything it offers. Our advisers are independent financial experts who will explain the policy, ensuring you understand your options and how this type of life cover could help protect your future financial position.

We pride ourselves on our open communication with clients to help you find the right cover for you. If you need advice on critical illness cover, don’t delay – contact our Manchester office today on 07765 738 796, or use our online contact form.

    Critical Illness FAQs

    How is a critical illness cover policy different from life insurance?

    Taking out critical illness cover pays a pre-defined sum upon diagnosis of one of the pre-agreed conditions listed in the policy documents. On the other hand, life insurance pays out a tax-free lump sum as part of its benefit should you die within an agreed period from taking out the policy.

    What does critical illness insurance not cover?

    A critical illness policy is designed to provide life cover for critical illnesses only. It does not payout if you pass away or fall ill with a pre-existing medical condition that does not fit the list of conditions stated in the life insurance policy documents.

    Are critical illness payouts taxed?

    Critical illness cover payouts are paid out on a tax-free basis.

    Can I get cover if I'm already suffering from an illness?

    Some life insurance providers may not be willing to provide coverage if you already suffer from a severe illness. Depending on your condition, you may be at a higher risk of becoming unwell with other illnesses.

    You should always declare any pre-existing conditions – you might find you can get cover, but your premiums may be higher than someone without existing conditions.