Critical Illness

Critical Illness

It is human nature to not consider the possibility of a critical illness happening to us, especially when we feel healthy, but life can be cruel and random; it can, and does. According to Cancer Research UK more than 1 in 3 people in the UK will develop some form of cancer during their lifetime.

Critical illness insurance is designed to ease the financial pressures associated with critical illnesses – such as loss of income, medical fees, treatment etc. – by paying a tax-free lump sum if you become seriously ill or totally disabled. It is designed to pay out a tax-free lump sum which can be used however you decide; from covering additional medical costs, making necessary adjustments to your home, to even paying off your mortgage.

Critical illness insurance pays out on the diagnosis of certain specified critical illnesses. The range of diseases covered has increased to more than 30, though they differ from one company to another. The policy pays out if you survive a minimum number of days from when the illness was first diagnosed; otherwise the death benefit of the policy pays out. The survival period used varies from company to company, however, 14 days are the most common survival periods used.

* Not all forms of cancer are covered by Critical Illness Cover

About Us

Arc Protect

ARC Protect is a team of approachable and friendly financial advisors with over 100 years of collective experience behind us.


December 2017
« Nov    


Power House, 20 Haughton Road, Darlington, DL1 1ST
Phone: (0345) 873 3223
For Mobiles: (01748) 889 077


ARC Finance Group Ltd, trading as Arc Protect, is authorised and regulated by the Financial Conduct Authority.

Where you have a complaint or dispute with us and we are unable to resolve this to your satisfaction then we are obliged to offer you the Financial Ombudsman Service to help resolve this. Please see the following link for further details: