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Critical Illness Cover

Critical illness cover (CIC) can provide essential support if you are struck by a serious illness. At Beechwood Mortgages, our expert advisers have successfully assisted numerous clients throughout the home counties in selecting the most suitable policies.


We specialise in understanding your unique circumstances and recommending the ideal critical illness cover that caters to your needs.

Protecting you during difficult times

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We have been helping our loyal customers find the right cover since 2001.

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Ensure you continue to meet your monthly repayments with mortgage critical illness cover.

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You can buy stand-alone critical illness cover to guarantee your financial future if you become ill or suffer from an unexpected condition.

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Our friendly team will advise you on the most complete cover for your specific needs.

One less thing to worry about

Secure your peace of mind and financial stability by taking a proactive approach to critical illness cover. This policy is your shield against financial worries, giving you and your loved ones the freedom to prioritise health and recovery.

With over two decades of experience as a trusted critical illness cover advisor in Berkshire and the surrounding counties, we provide invaluable insights into the latest market offerings. Our personalised advice is tailored to your specific needs, empowering you to grasp how these policies can best serve you. Be ready and safeguarded with our expert guidance on critical illness cover.



 As with all insurance policies, conditions and exclusions may apply.

What is covered by critical illness insurance?

Critical illness policies vary greatly but all offer valuable support when you need it most. They cover many different illnesses, with the most common resulting in a claim being: •Strokes •Heart attacks •Certain types of cancer •Severe head injuries It’s important to remember that insurance policies are unique and do not necessarily cover the same conditions or illnesses. If you’re unsure of the suitability of a policy, then please contact one of our advisers for help in comparing what is on offer.

What can you expect from working with us?

Deciding on the most suitable cover is important. We all want to prepare for and safeguard the future of our family, friends and loved ones, and this type of insurance can ensure you’ve got the right measures in place. We’re here to ensure your needs have been met, both in terms of the policy’s conditions and the price, for cover that can deliver without costing a fortune.

  • Do all mortgage brokers charge fees?
    No, not all mortgage brokers charge fees, and Beechwood Mortgages is proud to be offering fee-free mortgage services to first time buyers in 2024. (terms & conditions apply) As a mortgage broker, we earn our fees directly from the lender, so in most cases you don't have to worry about paying any additional fees for our assistance. We are committed to helping you find the best mortgage deal without adding any financial burden. Our goal is to make the mortgage process as transparent and cost-effective as possible for our clients. Check out our full fat version Do All Mortgage Brokers Charge Fees? for a complete rundown on broker fees and what to look out for.
  • What does a mortgage adviser do?
    A mortgage advisor will do the leg work for you, offering in-depth knowledge of the property lending market, helping you overcome challenges, and offering exclusive access to a database of banks and building societies. What's more, they offer a level of support that streamlines the entire process and makes things easier for you. You can learn more by visiting our page Why Should I Use A Mortgage Broker?
  • How can I get the best mortgage advice?
    You can seek advice on mortgages directly from lenders such as banks or building societies. Alternatively, you can go to a whole of market mortgage advisor or broker who will search and compare numerous products at the touch of a button. Check out Why Should I Use A Mortgage Broker? for more information.
  • Is mortgage advice free?
    The cost of mortgage advice depends on the terms and conditions of the broker / adviser you are working with. Many mortgage brokers will charge for their services and the amount payable will usually depend on your requirements, their own workload and perhaps on the value of your mortgage. We offer a free consultation every time and will quickly confirm if there will be any charge for our services and support. In the majority of cases, we will receive a commission from the lender once a mortgage starts. It’s important for you to clarify terms and conditions with mortgage advisers from the start so that you are aware of any charges and financial responsibilities you may incur. Check our Fees page for a full rundown on broker fees. You can also visit our page Do All Mortgage Brokers Charge Fees? for further information.
  • Do banks charge for mortgage advice?
    No, banks will not charge an advice fee. You do however need to remember that they will only recommend their own specific products. All lenders charge varying fees and this will be no different if you work with a mortgage broker. Whole of market mortgage advisors / brokers are more likely to provide an impartial perspective on the most suitable and competitive mortgage products and via a huge variety of lenders. Many brokers will charge a fee, for more information check out our article, Do All Mortgage Brokers Charge Fees?
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Arrange your free call to discuss critical illness cover

Beechwood Mortgages have a team of expert advisers committed to taking care of all your insurance needs.

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