From founders to frontline staff, Critical Illness doesn’t just affect people - it hits profits, operations and morale. This cover helps soften the blow when life gets tough.
Shield Your Business 🛡️
Illness protection.
A policy that pays a lump sum if a key person, shareholder or employee is diagnosed with a serious illness like cancer, heart attack or stroke.
Key roles & teams.
Business owners, essential employees, shareholders, and groups of staff - anyone whose illness would create financial risk for the company.
Business continuity.
Losing a key person to illness can stall projects, scare investors, or even trigger buy-sell clauses. This cover buys you time and breathing room.
Keep operations running.
A payout helps cover lost revenue, temporary staff, or recovery plans while your critical team member focuses on getting better.
Keep control.
Provides funds to buy back shares if a shareholder is diagnosed with a serious illness - avoiding unwanted business partners or disputes.
Team-wide support.
A cost-effective employee benefit that pays staff a lump sum for serious illnesses - boosting morale and financial wellbeing.
Your key people drive sales, delivery and strategy. If they fall seriously ill, Key Person Critical Illness Cover helps you absorb the hit - covering costs, finding cover, and keeping the business afloat.
Cover Your Core 💼
If a shareholder is diagnosed with a Critical Illness, the last thing you want is chaos. This cover gives you the money to buy back their shares and keep control where it belongs - with the business.
Protect Your Ownership 🔒
Group Critical Illness Cover shows your team you’ve got their back. It pays a tax-free lump sum if they’re diagnosed with a major condition - boosting financial security and loyalty.
Support Your Team ❤️
Illness doesn’t just impact health - it impacts business. Whether it’s a founder with cancer, a shareholder with MS, or an employee with a heart attack, Critical Illness Cover gives your business options, time, and financial flexibility when it matters most.
Critical Illness payouts offer fast access to cash when revenue drops or urgent action is needed to stabilise operations.
(Legal & General, 2024)
Group Critical Illness Cover is a highly valued employee benefit that improves staff wellbeing and retention while offering tax-efficient protection.
(GRiD, 2024)
A single claim could be the difference between business continuity and closure during a health crisis.
(Unbiased, 2024)
1 in 2 people in the UK will face a cancer diagnosis
(Cancer Research UK, 2024)
In small businesses, losing a key player to illness can cripple the entire operation. A Critical Illness payout gives you a financial buffer - to recruit, restructure, or simply stay afloat while your people recover. It’s not just protection - it’s survival planning.
(SME Insights Report, 2023)
Over 70% of long-term absences are due to serious illness
(GRiD, 2023)
Directors and key staff are often uninsured for illness - despite being the linchpin of business performance. Critical Illness Cover helps bridge the gap when they can’t work.
(Canada Life, 2024)
Shareholder Critical Illness Cover keeps control within the company - not passed to families or external parties.
(Aviva, 2024)
60% of businesses without a succession or illness plan fail to survive serious illness of an owner or decision-maker.
(PwC, 2023)
Critical Illness payouts offer fast access to cash when revenue drops or urgent action is needed to stabilise operations.
(Legal & General, 2024)
Group Critical Illness Cover is a highly valued employee benefit that improves staff wellbeing and retention while offering tax-efficient protection.
(GRiD, 2024)
A single claim could be the difference between business continuity and closure during a health crisis.
(Unbiased, 2024)
1 in 2 people in the UK will face a cancer diagnosis
(Cancer Research UK, 2024)
In small businesses, losing a key player to illness can cripple the entire operation. A Critical Illness payout gives you a financial buffer - to recruit, restructure, or simply stay afloat while your people recover. It’s not just protection - it’s survival planning.
(SME Insights Report, 2023)
Over 70% of long-term absences are due to serious illness
(GRiD, 2023)
Directors and key staff are often uninsured for illness - despite being the linchpin of business performance. Critical Illness Cover helps bridge the gap when they can’t work.
(Canada Life, 2024)
Shareholder Critical Illness Cover keeps control within the company - not passed to families or external parties.
(Aviva, 2024)
60% of businesses without a succession or illness plan fail to survive serious illness of an owner or decision-maker.
(PwC, 2023)
Critical Illness pays out once - but what if recovery takes a year? Add Income Protection to provide ongoing salary support while your team or directors recover.
Add Ongoing Support 🦸
I can sleep better knowing if I can’t work, I’ve still got money coming in. Thanks Waddle.
Sam made me feel like a person, not a policy. He explained the differences between providers and even flagged things I hadn’t thought of. Left the call with the best cover I’ve ever had, and complete confidence in it.
It felt more like speaking to a friend than an advisor.
Already have protection in place? We believe your cover should grow with you. Our friendly Policy Check reviews what you have, highlights strengths and gaps, and gives honest, expert advice to keep your cover working its best for you.
