Expert advice on Life Insurance, Mortgages and Wills in Northern Ireland
Covering counties Antrim, Down, Armagh, Derry-Londonderry, Fermanagh and Tyrone
Call our Newry office for 'No obligation' advice on 02830 252455
Critical Illness call us 028 30252455 lines open Mon to Fri 8.30am-8pm Sat 9-5pm
Critical Illness Insurance Advice From Local NI Advisers 

Modern medicine means you’re increasingly likely to survive a serious or critical illness. But it still takes time to recover, and during that time you probably won’t be working and bringing in an income. Critical illness insurance can bring financial relief at a stressful time such as this. When you do get back to work you may have to work fewer hours or take a lower-paid job – and in the worst case you may even be unable to return to work at all. In the meantime the bills will still be coming in. Critical illness insurance can see you through this tough financial situation by paying you a lump sum that will insulate from this hardship and help protect your lifestyle. Critical illness insurance pays out a cash sum if you are diagnosed with a critical illness covered by your plan. These will include cancer, heart attack, stroke and multiple sclerosis, but please bear in mind it doesn’t cover all types of cancer, heart attacks or strokes (you will need to refer to the current terms and conditions of your plan for full details).

When assessing how much critical illness cover is needed, don’t leave anything out!

Although most critical illness insurance cover is arranged to protect certain fixed costs like mortgage repayment, there is a variety of things you can choose to protect. Discuss all your needs – current and potential –with our advisers to ensure you have adequate critical illness insurance cover in place. Bear in mind that critical illness insurance cover normally only pays out a single lump sum. If you would like a monthly income to help cover regular monthly payments, including your mortgage, utility bills, child care or education costs, you should also think about some form of income protection insurance.

What does critical illness insurance cover do?

Critical illness insurance cover pays out if you are diagnosed with one of the defined critical illnesses or disabilities covered by your critical illness plan.

Who is it for?

Critical illness insurance cover is for you if:
 • you have financial commitments and expenses that would need to be honoured because you were diagnosed with a critical illness covered by the plan
Critical illness insurance cover is for you if:
your income reduces or stops as you are unable to work, because you were diagnosed with a critical illness covered by the plan
Critical illness insurance cover is for you if:
your way of life needed to change because you were diagnosed with a critical illness covered by the plan.

Local advisers
Sugar Island Financial Advice are your local Critical Illness Insurance Cover experts here in Northern Ireland, covering counties Down, Armagh, Antrim, Derry-Londonderry, Fermanagh and Tyrone. We are right here on your doorstep and can provide Critical Illness Insurance Cover designed to meet the specific needs of you and or your family.


Get a 'No obligation' Critical illness insurance quote
Call us for a no obligation quote on 02830 252455 our lines are open Mon to Fri Between 8.30am and 8.00pm, Sat 9.00-5.00pm and Sun 9.00am-1pm or click the Quick Quote Critical Illness insurance button opposite we’d love to hear from you!


Critical illness Northern ireland

Critical Illness enquire now

Sugar Island Financial Advice Critical Illness News items


Have you considered Life Insurance

Income protection and Unemployment insurance

The information on this website is subject to the UK regulatory regime and therefore targeted at consumers based in the UK.