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Common Critical Illness questions.

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Ask our Support Team

Is life insurance worth getting?

The short answer is yes. Having Life Insurance means that the insurance company will pay a specific sum to your beneficiaries after your death within the chosen term of the policy.

What age should you get life insurance?

Life Insurance is recommended to anyone who has a mortgage, children and/ or other financial dependents.

Which life insurance is best?

It is important to seek professional advice when researching Life Insurance, so that you can be assured you will have the level and type of cover which best suits your need.

Why do I need life insurance?

Many people, at all stages of life, can benefit from the peace of mind that the financial security a Life Insurance policy will provide. 

What is the average life insurance cost per month?

The amount you pay will depend on your age, your health circumstances and the type of insurance that you choose to have.

Major Cancers


Heart Attack

Coronary Artery By-pass surgery

The Critical Illness Process

Working with HB Partners



An informal introductory conversation

Your protection experts will work with you to establish your personal risks. Once these have been ascertained, we will take you through the options available, such as the required level of cover and cost involved.

We will look for the most appropriate Critical Illness insurance product to meet your circumstances. Note that your children will usually be covered, free of charge, up to a defined level of cover

Our Expert Recommendation



Discover the right insurance for you

Our experts will calculate the amount of cover required, then compare the relevant providers who meet your needs. Our experts will then discuss the choice of providers and options for you.

With your agreement, we will then proceed with an application. We will manage all paperwork and update you at every stage of the process, until completion.

Full Application

Critical Illness typically pays out a lump sum if you survive a specified critical illness, such as some forms of

What is 3 + 5 =

Critical Illness

Helping you to relieve financial pressures when you need it most

Call us 01923 964160 

If you would like to discuss an Insurance policy, please call us on 01923 964160

Meet the Team

01923 964160


The most common are cancer, stroke, multiple sclerosis, heart attack, kidney failure, coma, paralysis, blindness and deafness. Many more critical illnesses are covered, and the list varies from provider to provider. Please contact us if you require further clarification.


Depending on the type of cancer, severity and location, there is still a strong possibility that we can obtain cover for you.


Typically, terminal Illness benefit is an insurance which pays out when the life expectancy of the policyholder is less than twelve months. Critical Illness pays out a lump sum on diagnosis of a specified illness.


Insurers differ in their definitions, but normally this is defined as an illness requiring major surgery to correct, or, alternatively, an illness resulting in serious health and lifestyle changes.

Frequently Asked Questions

We are always ready to help. Please call

If you have a specific question, click the button below, and we will do our best to answer this for you.

Why use us?

We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.

We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism. 

We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.

We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.

Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.

We are qualified to advise you on your equity release requirements.

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What our clients say

"We strive to offer our clients the best possible service, so that they become clients for life.

Your feedback is valued, and by listening to you, our relationship becomes stronger"  

Please click here to see the full list of reviews

Mark Culham 

Adviser & Co-Founder

Steve Jascourt

Adviser & Co-Founder

"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."

“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”

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