A serious illness can stop your income instantly – but your bills won’t stop. If you’re diagnosed with cancer, have a heart attack, or suffer a stroke, critical illness cover provides a tax-free lump sum so you can recover without worrying about mortgage payments, debts, or living costs.
Convenient options for you.
Having credit issues shouldn’t stop you from buying or remortgaging. We work with lenders offering adverse credit mortgages for self-employed clients, including those with historic CCJs, defaults, or missed payments. We also assist discharged bankrupts or those with past IVAs, as well as clients with low to moderate credit scores.
As a limited company director, your business may be thriving—but your official salary and dividends might not show your full earnings. We work with lenders who consider retained profits with your salary, accept one or two years of accounts, offer flexibility if you’ve taken lower income for tax purposes, and understand how director finances are structured.
If you’re a contractor, many lenders assess income based on your day rate rather than a standard salary—often enabling larger loan amounts. We support IT contractors, construction workers, creative professionals, and more. PAYE umbrella contractors, limited company contractors using gross contract value, and contractor mortgages with bad credit—even with defaults—are all considered.
Check your eligibility and secure tailored protection to safeguard your income and recovery.
Essential answers to common questions about securing specialist protection for high-risk occupations.
Yes – many choose a combined policy for broader protection.
No – each policy has a list. We’ll make sure yours includes the most relevant risks for your trade.
You may still qualify even if:
We’ll help tailor the right protection to suit your circumstances.
Specialist protection that pays a tax-free lump sum if serious illness stops you from working, so you can focus on recovery without financial stress.
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