Protection & insurance advice
Critical Illness Cover in Sleaford & Lincolnshire
Critical illness cover pays a tax-free lump sum if you are diagnosed with a serious illness such as cancer, a heart attack or a stroke. We compare insurers on the conditions that matter, not just the price.
5.0★ · 701 reviews
Cover from leading insurers
FCA registered
Your Lincolnshire protection team
Nick, Kasia & the team
Qualified advisers and support, here for every step
Critical illness cover pays a tax-free lump sum if you are diagnosed with one of a defined list of serious illnesses, such as cancer, a heart attack or a stroke, giving you the freedom to focus on getting better.
As with all insurance policies, conditions and exclusions will apply.
Why the small print matters
Not all critical illness policies are equal. The conditions covered and how they are defined vary widely between insurers, so we compare the quality of cover, not just the price, and explain in plain English what each policy would and would not pay out on.
Often paired with life cover
Many people add critical illness cover to a life insurance policy so the same plan protects them whether they fall seriously ill or die. We will show you the options and the cost of each.
Is this you?
We help families like…
- Mortgage holders protecting the home
- Parents with young children
- Anyone with a family history of illness
- People who want a financial cushion to recover
Why a broker
Why families use an insurance broker
Buy cover off a comparison site and you are on your own if a claim ever comes. We compare trusted insurers, set the policy up so it pays out when it matters, and stay on hand for the life of the cover.
Going it alone online
- A price-first comparison site, on your own
- You guess the right type and amount of cover
- Exclusions buried in the small print
- Medical questions answered with no guidance
- No one to help if you ever need to claim
With Spolton, advice you can trust
- Cover compared across leading insurers
- Advice on the right type and amount of cover
- Exclusions and terms explained in plain English
- We help you answer medical questions properly
- A named adviser who supports you at claim time
- Policies set up in trust where it helps
How it works
How we help families, step by step
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A free, friendly chat
We get to know your work, your family and your budget, with no pressure and no jargon.
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We compare the market
We search cover from a wide panel of leading insurers to match the right policy to your needs.
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A clear recommendation
We explain your options, the costs and the small print in plain English, so you can decide with confidence.
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Set up and ongoing support
We put the policy in place, arrange a trust where it helps, and stay on hand if you ever need to claim.
Local to you
Advising on critical illness cover across Sleaford & Lincolnshire
- Sleaford
- Lincoln
- Grantham
- Newark
- Boston
- North Hykeham
Good to know
Critical Illness Cover: your questions answered
What illnesses are covered?
Policies cover a defined list of serious conditions, which varies between insurers. We compare the quality and number of conditions, not just the premium.
Is it the same as life insurance?
No. Life insurance pays out when you die; critical illness cover pays a lump sum while you are still living, on diagnosis of a covered condition. Many people hold both.
Can I use the payout however I like?
Yes. The tax-free lump sum is yours to use, whether that is clearing the mortgage, adapting your home or simply taking time to recover.
What clients say
701 verified reviews, rated 5.0
258 reviews on Google and 443 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.
5.0 average · Google & VouchedFor
Real people, real advice
The people behind your cover
You will deal with a named adviser from start to finish, backed by an administration team who keep things moving behind the scenes. Here is who you will be working with.
From first chat to front-door key
Let’s make your move simple
Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.
Free until your offer is approved
No jargon, no pressure
Whole-of-market advice
Your home/property may be repossessed if you do not keep up repayments on your mortgage.
