How Can I Get Personalised Advice from UK Insurers About Critical Illness Cover via Chat or Video Call?
You can get personalised critical illness advice through phone consultations, video calls, live chat, or in-person meetings. Many UK insurers and independent protection advisers offer these services. Independent advisers compare multiple insurers and their advice is typically free - they're paid commission by the insurer if you proceed.
Ways to Get Advice
Phone Consultation
Speak directly with a protection adviser who can assess your needs and explain policy options
Video Call
Face-to-face consultation from home - ideal for discussing complex health histories or walking through documents
Live Chat
Quick questions answered instantly - useful for clarifying policy terms or getting initial guidance
In-Person Meeting
Meet a local adviser for comprehensive protection planning across all your insurance needs
Why Independent Advice Matters
Direct insurer advice is limited to their own products. An independent adviser (like Your Home Finance) compares the whole market to find:
- •Better condition definitions - some policies have stricter definitions than others
- •Insurers that accept your health conditions - different underwriting criteria across providers
- •Competitive pricing - premiums vary significantly between insurers for the same cover
- •Additional benefits - children's cover, second opinions, rehabilitation support
Frequently Asked Questions
Can I get critical illness advice via video call?
Yes. Many UK insurers and protection advisers offer video consultations. This is particularly useful for discussing complex health histories or understanding policy definitions. Video calls are as valid as in-person meetings.
Is advice from insurers free?
Direct insurer advice is usually free but limited to their own products. Independent protection advisers (like Your Home Finance) compare multiple insurers and their advice is typically free - they're paid by the insurer if you take out a policy.
What should I prepare before getting advice?
Have details of your health history, any existing cover, your mortgage balance, dependents, income, and an idea of how much cover you might need. The more information you have, the more tailored the advice.
What's the difference between insurer advice and independent advice?
Insurers can only advise on their own products. Independent advisers compare the whole market, find policies that match your health conditions, and can find better definitions and prices. For complex cases, independent advice is valuable.
Related Questions
This page provides general information only and does not constitute personal financial advice. Always ensure any adviser you use is authorised by the Financial Conduct Authority. Your Home Finance is authorised and regulated by the Financial Conduct Authority.