Critical Ilness Cover in Carlisle & Dumfries

At Galloway Jennings, we specialise in providing expert critical illness coverage to clients in Dumfries, Carlisle, and the surrounding areas. Whether you have a complex medical background or even require an extensive protection package to cover you and your children, our experienced local team is here to support and guide you every step of the way.

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How does it Work?

You’re only 3-steps away from getting critical illness cover…

Our first chat

Let’s grab a drink and find out a bit more about you, your goals and your circumstances. You talk, we take notes.

Find the deal

We’ll find an insurance plan(s) that’s perfectly tailored to your needs, offering all the leading critical illness plans and support for you and your family.

Leave it to us

Once we have all the information we need, we will begin to apply, keeping you informed every step of the way.

The 5 most common Critical Illnesses

Frequently asked questions

See what clients are asking us daily…

What is Critical Illness Cover and how does it work?

Critical Illness Cover provides a tax-free lump sum payout if you’re diagnosed with a serious medical condition covered by your policy. This money can be used for medical treatment, household expenses, mortgage payments, or lifestyle adjustments while you recover.

What illnesses are covered by Critical Illness policies?

Coverage varies by insurer, but most policies include cancer, heart attack, stroke, multiple sclerosis, Parkinson’s disease, and major organ failure. Some insurers offer cover for additional conditions or early-stage illnesses.

Does Critical Illness Cover include pre-existing medical conditions?
It depends on the insurer. Some policies exclude pre-existing conditions, while others may cover them but at a higher premium or with specific limitations. Always check policy terms before applying.
How is Critical Illness Cover different from Life Insurance?
Life Insurance pays out when you pass away, whereas Critical Illness Cover provides financial support while you’re alive if you’re diagnosed with a covered condition. Some policies combine both types of cover.
Do I need Critical Illness Cover if I have Income Protection?
Critical Illness Cover provides a one-off lump sum upon diagnosis, while Income Protection pays out a regular income if you can’t work due to illness or injury. Having both can provide comprehensive financial protection.

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Dumfries Office

Carlisle Office

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Regulatory Information

Galloway Jennings is an appointed representative of BrokerSync Ltd, which is authorised and regulated by the Financial Conduct Authority (1031981).
Galloway Jennings is authorised and regulated by the Financial Conduct Authority Conduct Authority (947715)

There may be a fee for Mortgage Advice. The precise amount will depend upon your circumstances and will be agreed upon following your initial meeting.

Equity Release, Investments, Pensions, Wills, Trusts, PMI and Estate Planning will be referred to our authorised third-party providers. ABC Ltd and BrokerSync Ltd are not responsible for any advice received from the third-party providers.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Conveyancing, Wills, and some forms of Buy-to-let Mortgages and Commercial Mortgages are not regulated by the Financial Conduct Authority.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or other debt secured against it.

The guidance and/or advice contained within this website is subject to the UK regulatory regime and is, therefore, primarily targeted at consumers based in the UK.