Quick Answer

How Do I Get a Critical Illness Quote?

Reviewed by Jay Sabine – CeMAP, Cert CII (MP) – 29 years experience
CeMAP Professional - The London Institute of Banking & FinanceCert CII Member - Chartered Insurance Institute

Get a critical illness cover quote online or through an adviser. You'll need age, smoker status, cover amount, and term length. Compare 3-5 providers. Expect £30-50/month for £100k cover (age 35, non-smoker).

Getting a critical illness quote is straightforward. You'll provide basic details and receive indicative pricing. Final quotes depend on medical underwriting. Factors affecting your premium include age, health, smoking, cover amount, term, and whether you choose standalone or combined cover.

Key Points

  • 1Age is the biggest factor - younger is cheaper
  • 2Smokers pay 50-100% more
  • 3Combined with life insurance = better value
  • 4Decreasing cover cheaper than level
  • 5Compare multiple providers
  • 6Check claim rates, not just price

Eligibility Criteria

  • UK resident aged 18-65 typically
  • Health declaration required
  • Some conditions may affect pricing
  • Smoking includes vaping/nicotine

Typical Timeframe

Online quotes take minutes. Full application with underwriting takes 1-4 weeks depending on medical history.

Next Steps

  1. 1Calculate cover amount needed
  2. 2Gather basic personal information
  3. 3Get quotes from 3-5 providers
  4. 4Compare cover, not just price
  5. 5Speak to an adviser for best rates

Why This Matters for Your Mortgage

Understanding these details helps you make informed decisions during the mortgage process. Every element of your application—from deposits to documentation—affects your approval chances and the rates you can access.

Lenders assess applications holistically, weighing multiple factors together. Knowing what they look for allows you to present the strongest possible application. This is particularly important for non-standard situations where lender criteria varies significantly.

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Related Questions

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For more detailed information about this topic, visit our comprehensive guide:

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CeMAP Professional - The London Institute of Banking & FinanceCert CII Member - Chartered Insurance Institute
Jay Sabine
CeMAP, Cert CII (MP)
29 Years Experience

Content reviewed: January 2026

CeMAP awarded by The London Institute of Banking & Finance. Cert CII (MP) awarded by the Chartered Insurance Institute.

What Affects Your Quote?

Age

Younger = cheaper. Premiums increase significantly with age.

Health

Medical history affects pricing. Some conditions may increase cost or be excluded.

Smoking

Smokers pay 50-100% more. Includes vaping and nicotine products.

Cover amount

Higher cover = higher premiums. Match to mortgage + debts.

Policy term

Longer terms cost more. Match to mortgage term or retirement age.

Cover type

Level cover costs more than decreasing cover over time.

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