Serious Illness Cover

Why you need Serious Illness Cover

“Who’ll look after my family if I get cancer?”


Heart attack.


They’re the kind of illnesses that can change your entire life.

Recovery can take months, and the impact can linger for years.

They’re grim – and that’s before you even consider the financial implications of being out of work for so long.

Serious Illness Cover (sometimes called Critical Illness Cover or Specified Illness Cover) pays you a lump sum if you get sick with one of the illnesses listed on your policy.

If you’re ill, the last thing you need to worry about is money, so Serious Illness Cover can be a major relief – and it can let you focus on the important thing: getting better.

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Benefits of Serious Illness Cover with

serious illness cover

  • A tax-free lump sum if you’re out of work because of one of the serious illnesses in your policy.
  • Covers a wide range of illnesses, from types of cancer through to MS or liver failure.
  • You’ve the option to buy inexpensive Cancer Only Cover.
  • A little cover goes a long way, so it’s not as pricey as other types of insurance.
  • Some insurers offer additional benefits like hospital cash, one-to-one support, broken bones payment or a personal accident benefit.
  • 9 in 10 claims are paid out.
  • I compare all six insurers so you get the best deal for you. I also offer fully impartial advice so you don’t get tripped up by your insurer in the future.

How much will it cost to protect myself?


I know what you’re thinking: why trust this guy? He’s just another broker out to make a quick buck on other people’s misfortune.


Scroll down to read some of my testimonials from my lovely clients. You won’t find a single bad one – and there’s a reason for that – bribery I mean, GREAT CUSTOMER SERVICE

I believe in plain English and in avoiding the makey-uppy terms insurers and banks use to bamboozle you. After all: if you can’t understand what they’re saying, how are you meant to get the best deal?

For example, did you know that you should NEVER bundle Serious Illness Cover and Mortgage Protection because the bank get the pay-out if you get a serious illness.

That’s cheeky – and it’s also not something the banks are in a rush to disclose.

  • We’re on online broker so we can arrange everything, including the signing of your documents over t’internet.
  • We specialise in getting cover for people with health issues or a quirky medical condition.
  • We’re an independent broker giving you unbiased advice on a choice of policies from Aviva, Friends First, Irish Life, New Ireland, Zurich Life and Royal London. That’s all six of the insurers. You won’t get that from a bank or any one insurer.

I’ll lay it all for you in plain English and I’ll give you independent, unbiased advice so you can get the right deal for you. I can’t wait to speak with you and to make life insurance a little less drab and a little more fun.

Nick McGowan | making life insurance easier

What my clients are saying