Critical Illness Cover Kent | Kings Gate Finance

Critical Illness Cover

Financial Support When You Need It Most

1 in 2 people will now experience cancer during their lifetime
(Source: Cancer Research UK, October 2022)

With statistics like this, it’s clear that more of us than ever before will face a critical illness at some point in our lives. The emotional impact of such a diagnosis is significant—but the financial impact can be just as overwhelming.

At Kings Gate Finance, we understand how devastating it can be to hear words like cancer, stroke, or heart attack. These illnesses not only change lives, but often bring financial stress just when you need to focus on your recovery. Discovering you don’t have protection in place at such a time is something no one wants to face.

Why Critical Illness Cover Matters

While survival rates are improving—which is incredibly encouraging—life after a serious diagnosis is rarely the same. Many people need time off work, reduce hours, or are unable to return to their previous jobs at all. As a result, households can face significant drops in income, even as expenses remain the same—or increase.

A Critical Illness policy provides a tax-free lump sum on diagnosis of a covered condition. This money can help cover:

Day-to-day expenses (like mortgage, rent, council tax, and utilities)
Childcare and education costs
Medical treatments not covered by the NHS
Home adaptations to support recovery
Time to rest, recover, and spend with family

Even a small level of cover can provide peace of mind, offering a buffer during one of life’s most difficult moments.

Tailored Cover for Your Life

Not all Critical Illness Cover is created equal. Policies differ in terms of:

The number and types of conditions covered
Additional support benefits (like children’s cover, second opinions, or rehabilitation support)
Premium options and flexibility

That’s why it’s so important to seek expert advice before choosing your policy. At Kings Gate Finance, we take the time to understand your unique needs and match you with protection that suits both your situation and your budget.

Even a little bit of cover is better than none at all.