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Compare leading UK life insurers to find the ideal critical illness insurance quote.

Halifax Critical Illness Insurance
  • Protection against loss of income
  • Tax free lump sum payout
  • Funding to cover expensive treatments

It is important to compare critical illness quotes from lots of different companies, as some insurance companies are much more expensive than others, for exactly the same critical illness insurance policy. That could cost you £1000's.

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Halifax Critical Illness

Compare Leading UK Insurers Plans

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Halifax Critical Illness Cover

Various Types of Life Cover

There are various types of life insurance policy available. Standard life insurance, critical illness, mortgage cover, single or joint policies over various years. Request a call back from our advisors if you'd like some help.

Halifax Critical Illness Insurance

Protect Family Finances

It's a daunting thought, but with daily expenses and increasing costs in living, it is vital that you secure the future of those you love. Life Insurance will provide a lump sum to help with the mortgage and other household bills.

Why Buy Critical illness Cover?

If you're worried about the risk of being unable to work through serious illness then critical illness cover could be right for you. With critical illness cover you'll get a cash lump sum paid to you on diagnosis of a critical illness as defined in your policy. You can use the money to pay for whatever you need whether it's to pay off your mortgage, make changes to your home or to provide for your loved ones.

Critical illness Cover can be used to provide protection in a number of ways. Like Life Insurance, it was primarily designed to help protect immediate family members and possibly other dependents from financial hardship by providing the means to pay off the mortgage on the family home and/or by providing income for the family to maintain their standard of living.

With the improvements in modern medicine leading to higher recovery rates, particularly for cancer which will affect 1 in 4 men and 1 in 5 women by retirement age, Critical illness Cover can also be used simply as funding to cover expensive treatments or an extended period of convalescence before the policyholder returns to work.

As the chances of developing a critical illness are far greater than the chance of dying, Critical illness Cover tends to be 3-4 times more expensive than Life Insurance. Typically, however, a combined policy will work out much cheaper than separate Life Insurance and Critical illness Policies, so much so that often adding a Life Insurance element to a Critical illness policy may add no more than a small increase in the monthly premiums, if any.

What Critical illnesses are covered?

Most critical illness policies cover at least seven major medical conditions including cancer, heart attack, multiple sclerosis, stroke, major organ transplants and kidney failure.

What type of Critical illness Cover is required?

If the policy is to be used solely to cover a repayment mortgage, then a decreasing term critical illness product is usually the best choice, as the amount of money the policyholder has been insured for decreases in line with the value of the outstanding mortgage balance.

Conversely, a level term critical illness product is usually the best choice for an interest-only mortgage, where the value of the outstanding mortgage balance remains constant during the term of the policy.

How much Critical illness Cover is required?

The amount of cover required is always going to depend on an individual's circumstances. Essentially, you need to work out the financial impact to your family in the event of you becoming critically ill, and how much money they would need to survive until you recover.

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Halifax Insurance Info

The Halifax was formed in 1853 as the Halifax Permanent Benefit Building and Investment Society. The idea was thought up in a meeting room situated above the Old Cock Inn close to the original Building Society building.

Unlike many British building societies which grew large by acquisitions and mergers, the Society chose an organic form of growth, and proceeded to open branches throughout the UK. By 1913, it was the largest building society in the UK. The first office in London opened in 1924; and the first offices in Scotland in 1928.

In 1928, it merged with Halifax Equitable Building Society, then the second largest building society and was renamed Halifax Building Society. The society was now five times larger than its nearest rival, with assets of £47 million

The society continued to grow in size throughout the 20th century, remaining the UK's largest building society. The deregulation of the financial services industry in the 1980s saw the passing of the Building Societies Act 1986 which allowed societies greater financial freedoms, and diversification into other markets.

The 1986 Act also allowed building societies to demutualise and become public limited companies instead of mutually owned organisations, owned by the customers who borrowed and saved with the society.

In 1995, the Halifax announced it was to merge with the Leeds Permanent Building Society and convert to a plc. The Halifax floated on the London Stock Exchange on 2 June 1997. Over 7.5 million customers of the Society became shareholders of the new bank, the largest extension of shareholders in UK history.

As Halifax plc, the new bank was the fifth largest in the UK in terms of market capitalisation. Further expansion took place with the 1996 acquisition of Clerical Medical Fund Managers, a UK life insurance company.

In 2001, a wave of consolidation in the UK banking market led Halifax to agree a £10.8 billion merger with the Bank of Scotland

The new group was named Halifax Bank of Scotland (HBOS) with headquarters in Edinburgh, and retained both Halifax and the Bank of Scotland as brand names.

HBOS was acquired by the Lloyds Banking Group in January 2009 amid falling share price and speculation as to its future. Bank of Scotland plc (including its brands such as Halifax) became a wholly owned subsidiary of the group.

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Halifax Life Insurance Offer

Halifax Total Mortgage Protection Plan

If the unexpected happens, who will pay your mortgage? Your mortgage is probably the biggest financial commitment you’ll make in your life. So, it’s important to reduce the risk of losing your home should your income stop for any reason and you can do that with the Halifax Total Mortgage Protection Plan. The Halifax Total Mortgage Protection Plan could help you and your family to protect your mortgage* and your lifestyle if you lose your job, cannot work because of an accident or sickness, have to give up work to become a carer for a relative, suffer a named critical illness or die. Life Cover Life Cover provides you with the peace of mind of knowing that your family could receive a lump sum payment to give them the financial support they need in the event of your death. You can choose cover up to a maximum 125% of the mortgage loan (maximum £400,000) to make sure your family can repay the mortgage to help maintain their lifestyle. *Halifax Total Mortgage Protection Plan is available to customers with a mortgage provided by Bank of Scotland plc (trading as Bank of Scotland, Halifax, Birmingham Midshires, Intelligent Finance or St James’s Place Bank) or The Mortgage Business plc.

Critical Illness Cover

Critical Illness Cover could provide you with the financial security of a lump sum payment should you be diagnosed with a specified critical illness. Cover is available, and can be used to pay your mortgage balance, or something else such as paying off your other loans or making modifications to the house and car to make them suitable for someone with a disability.

The plan will pay out even if you make a full recovery in the event of a valid claim. What’s more when you take Critical Illness Cover you receive Children’s Critical Illness Cover, which could provide the lower of £25,000 or half your current critical illness cover benefit if an eligible child is diagnosed with a specified critical illness

Life and Critical Illness Cover can be taken as a level term assurance plan or a decreasing term assurance plan, giving you the choice of a product that provides a level amount of benefit for the entire term of the mortgage (Level Term Assurance) or a plan that provides a decreasing level of cover as the mortgage amount decreases (Decreasing Term Assurance).

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