Critical Illness Cover

Financial security for whatever
comes your way

Preparing you for
the unexpectedlife challenges

today and tomorrow.

Get peace of mind with critical illness cover

Life can be complex at the best of times, and financial planning can be made all the more difficult due to the future’s unpredictability. By preparing for the unexpected with critical illness cover, you can have peace of mind that you’ll be financially supported if you’re in an accident or develop a major illness.

In times of illness or injury, worrying about finances is a stress you really don't need. Critical illness plans can provide a lump sum on a term or whole life basis, helping to manage the financial consequences of taking time out of employment or affording care. Our advisers are on hand to provide comprehensive advice about critical illness cover, putting you in charge of your life and finances, no matter what obstacles come your way.

How we work

A way to prepare for the unexpected

Much of the time, we have to deal with life’s hurdles as and when they arise; however, there are certain ways that we can plan ahead to make difficult situations easier to manage. At Lester Brunt, we recognise the value in putting a financial plan in place ahead of time. This way, if you’re ever affected by a difficult life event, at least you won’t have to add financial worries to your concerns.

One of our advisers will help you create a protection plan that is specifically tailored to meet the needs of you and your family, with flexibility for changing circumstances. Many protection insurance contracts also include a range of extra benefits such as child’s critical illness, terminal illness, and waiver of premium. These extras can help make a practical and emotional difference during difficult moments. Our advisers will help customise a protection plan that provides support and peace of mind based on the individual needs of your family.

Relax into your financial future


In an age where the online world is at our fingertips, why shouldn’t your wealth management be there as well? Our Online Services allow you to access all your wealth investments in one smart place. Whether you’re already registered, or just about to, here are some great features that can help you get the most from your online account.

Online registration:

Registering for Online Services with an activation code allows instant access. If you haven’t got a code, please contact your adviser. Registering online ensures all information is password protected.

Set your preferences:

Set your communication preferences to receive your digital reports and electronic correspondence.


Make online debit card payment for ISA and any JISA top ups with a debit card

linked to your account, on demand and at a time that suits you. Make payments to Unit Trusts, Retirement Accounts and new ISAs. (Speak to your adviser in order to get this process started) View the value of your investments in a range of currencies and see a breakdown of

this valuation. Instant notifications when a new document is available to view.

For every client opting for paperless correspondence, St. James’s Place will donate £5,to the St. James’s Place Charitable Foundation.

The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested.

The favourable tax treatment of ISAs may not be maintained in the future and is subject to changes in legislation.

Investing in their future:

Less well-known is that children can also have a pension fund as soon as they are born – and setting one up can bring significant tax advantages. Even if your child is a non-taxpayer, they will still get basic-rate tax relief on contributions. That means a maximum of £2,880 a year is automatically grossed up to take account of tax at 25%, giving an annual investment of £3,600

What we offer

Why consider critical illness cover?

No one knows what’s around the corner, but having a critical illness plan means you can prepare financially for the unexpected.

Financial protection

If you become critically ill, the insurance pays out a lump sum that can help cover medical expenses, rehabilitation costs, modifications to your home or vehicle, and other financial obligations. This financial support ensures that you can focus on your recovery without worrying about the financial burden of your illness.

Additional support beyond the NHS

Critical illness protection can help offer additional benefits beyond the healthcare provided by the NHS. With the money you receive, you may be able to access private medical treatments or specialised therapies not available through the NHS. It can also help cover the costs of seeking alternative or complementary treatments, opening up more options when it comes to managing your illness.

Peace of mind for you and your family

The payments from critical illness cover can be used to alleviate the financial strain on your family. It can help cover everyday living expenses, mortgage or rent payments, and childcare costs. This ensures that you and your family can maintain your standard of living while supporting you through your illness.

Relax into your financial future

None of us can predict what the future may bring, but we can put measures in place to help us deal with unexpected events that come our way through protection planning.

Life insurance cover is specifically aimed at helping clients navigate through some of life’s most difficult moments, easing the financial strain in the event of critical illness or injury. We offer advice that is aimed at helping you make well-informed decisions, based on the options available to you.

For more details about services that we offer reach out to us on 01202 695801, or click the button below.


Want to find out more?

Get in touch today to see how one of our advisers could help you.





Your Partner, together with St. James’s Place Wealth Management plc, are the data controllers of any personal data you provide and any further information which you subsequently provide to us. For further information on our uses of your personal data, please see the Partner’s privacy policy which can be accessed on their website and St. James’s Place Wealth Management plc’s privacy policy which can be accessed at

Meet your adviser

Our specialist advisers are
waiting to help you.

learn more about us

View our brochures