Protection

Planning for the Unexpected

A serious illness can change everything not just your health, but your financial stability too. Critical illness cover provides a lump-sum payout if you’re diagnosed with a specified condition such as cancer, a heart attack, or a stroke. This money can help with medical costs, home adjustments, lost income, or simply keeping on top of everyday bills while you focus on getting better.

A serious illness can affect more than just your health. It can change your ability to work, your income and how day-to-day life looks for a period of time.

Critical illness cover is about creating financial breathing space if something unexpected happens. It’s there to give you options at a time when flexibility matters most, whether that’s taking time off work, reducing financial pressure or focusing on recovery without immediate money worries.

Most people don’t think about this type of protection until they’re forced to. The aim here is simply to consider how you would manage if your circumstances changed suddenly and your income or routine was disrupted.

I’ll help you understand whether critical illness cover is relevant to you, how it can sit alongside other protection and what level of cover makes sense for your situation. No pressure, just clear guidance so you can make an informed decision.

1. What is Critical Illness Cover?

Critical illness cover pays out a lump sum if you’re diagnosed with one of the specified conditions listed in the policy, such as certain cancers, heart attacks or strokes.

2. What illnesses are covered?

Cover varies by insurer, but policies typically include a range of serious conditions. It’s important to check the policy definition for each condition rather than relying on the condition name alone.

3. Can I get Critical Illness Cover for my children?

Some policies include child cover as standard or offer it as an optional extra. The level of cover and conditions vary between insurers.

4. Is Critical Illness Cover expensive?

The cost depends on factors such as age, health, lifestyle, the amount of cover and the policy term. Cover can often be tailored to balance cost and protection.

5. What’s the difference between Life Insurance and Critical Illness Cover?

Life insurance pays out on death, whereas critical illness cover pays out on diagnosis of a covered condition. They can be arranged separately or combined, depending on your needs.

Traditional Life Insurance

Life insurance ensures your loved ones are financially protected after your death. It provides a lump sum to cover debts, living expenses, and future financial needs. We offer a range of life insurance options to suit your requirements, helping you secure peace of mind for your family’s future.

Income Protection

Income protection insurance is crucial if you face unexpected illness or injury that prevents you from working. This cover provides a regular income to help you maintain your lifestyle and meet essential expenses during periods of disability. We can help you find the best policy tailored to your needs.

Critical Illness Cover

Critical illness cover provides a lump sum payment if you’re diagnosed with a serious illness, such as cancer or heart disease. This financial support can assist with medical costs and other expenses, offering peace of mind during challenging times. Explore your options with our expert guidance.

Over 50s Cover

Over 50s life insurance offers guaranteed acceptance and a lump sum payout without requiring a medical exam. Designed for individuals aged 50 and over, this policy helps cover final expenses and leaves a financial legacy. Let us guide you in choosing the right policy for your needs.

Whole of Life Insurance

Whole of life insurance provides lifelong coverage with a guaranteed payout upon death. Unlike term policies, it offers peace of mind with its assurance of a payout regardless of when you pass away. Explore our options to find the best whole of life policy to meet your long-term financial goals.

Building and Contents Insurance

Building and contents insurance covers both the structure of your home and your personal belongings. This combined policy protects against risks like fire, theft, and damage, ensuring comprehensive coverage for your property.

Business Protection

Running a successful property business or investment company involves more than securing properties and financing deals. It also requires protecting the business itself from unexpected events that could disrupt operations or impact financial stability. Business protection provides a safety net to ensure that if something happens to a key individual, the business can continue running and meet its financial commitments.

Learn More

Start With a Conversation

Every situation is different. A short conversation is often the easiest way to get clarity on what options are available and whether I’m the right person to help.

I work with property investors, limited company landlords and residential clients who want clear, straightforward advice before making a commitment.

There’s no pressure to proceed. Just an initial discussion to understand your plans and decide the best next step.

Your trusted partner for mortgages and protection, here to help you stay organised, secure, and confident in every financial decision. If you’d like to make your mortgage and protection journey simple and stress-free, just get in touch—I’m here to help.

Legal

Your home may be repossessed if you do not keep up repayments on your mortgage.

Mortgages and protection products are subject to eligibility and lender criteria.

Equity release may reduce the value of your estate and affect your entitlement to means-tested benefits.

Buy-to-let mortgages are not usually regulated by the Financial Conduct Authority.

MJS Finance is a trading style of Freedom Financial. Authorised and regulated by the Financial Conduct Authority.

We are authorised and regulated by the Financial Conduct Authority. FCA number: 920865.

© 2026 MJS Finance Ltd . All Rights Reserved.