Critical Illness Cover For Everyday Heroes

Protect you and your family with a lump sum in the event you are diagnosed with a serious illness.

Up to £150 Cash Back Voucher!

Free Will Writing Kit

And Children's Cover Included!

"Blue light insurance were easy to get hold of and explained everything in detail. Without a doubt found cheaper Critical Illness Insurance than other comparison sites!" – Harriet, Trustpilot

Get Quotes Today! Call: 0800 270 0004

Critical Illness Cover For Everyday Heroes

Get Up To £150 Voucher

FREE Will Writing Kit

Plus Children's Cover

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Protect you and your family with a lump sum in the event you are diagnosed with a serious illness.

"Absolutely fantastic. Provided by far the cheapest quote and swiftly sorted my cover. Was brilliant. Have already recommended to many. Thank you!" – John, Trustpilot

Up to £150 to spend at your favourite retailers!

  • Get up to £150 voucher reward when you take out cover through us!
  • This is available to spend at a huge number of well-known retailers.
  • Simply log into our rewards platform and choose where to spend your reward!
  • It's our way of saying thank you, for doing the right thing!
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How our voucher reward works: When you take out Life Insurance, Critical Illness Cover or Income Protection through Blue Light Insurance you are eligible for the voucher reward offer. The amount of your voucher is calculated by the size of your total insurance policy premium, rounded up to the nearest whole number. For example, if your policy premium was £46.50 per month, you would get a voucher reward worth £47.00. The voucher reward is payable only when your policy goes active, and is paid 3 calendar months after your policy start date. Maximum voucher reward per postcode is £150.00. Reward not available for those who take out Private Medical Insurance or Whole of Life Insurance or for Wills, Trusts, Remortgages or Mortgages.

What is Critical Illness Insurance?

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What is Critical Illness Insurance for?

Critical Illness Insurance is designed to pay a lump sum (or sometimes an income) in the event you are diagnosed with a serious illness (e.g. cancer, heart conditions, strokes, multiple sclerosis and more). It's usually used to provide financial support or to help pay off debts such as a mortgage. When you take out Critical Illness Insurance, you cover yourself for a set amount (e.g. £50,000) over a set period of time (e.g. 25 years).

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Does the money pay as a lump sum, or an income?

This depends on the type of policy you choose. Most Critical Illness Insurance policies are designed to pay out as a one-off lump. However you can also take out policies that are designed to pay you an ongoing income instead. Our team can help you decide what it right for you.

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Are my children covered too?

In most cases yes, but you do need to be careful here. Again the levels of children's cover varies hugely from insurer to insurer. Some insurers offers very good cover for children, and others don't. Our team of experts can help you understand exactly how children's cover works, and what they will or won't be covered for with the insurer they recommend.

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What illnesses am I covered for?

This varies hugely from insurer to insurer, and for this reason it's vitally important that you speak to a qualified adviser, as they can help you understand how a basic policy compares to a high quality policy. Most policies cover the most serious conditions as a minimum (E.g. cancers, heart conditions and strokes) however ALWAYS make sure to look at the T&C's to understand the insurers definition of condition. Our team of experts can help you navigate this very important, but complex product.

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Will my insurer try to wriggle out of a claim?

It is a common misconception that insurers do their best to avoid paying claims. In fact, insurers have to publish their claims statistics each year and the vast majority can prove they pay well over 90% of their Critical Illness Insurance claims.

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Can I get Critical Illness Insurance through my employer?

Some employers do offer Critical Illness Insurance. Whilst this is a brilliant benefit (if you are lucky enough to be offered it) you shouldn't necessarily rely on it entirely. Remember that if you leave your current employer, you'll leave your insurance behind too, and critical illness insurance gets more difficult and expensive to take out the older you get. Our recommendation is to always have some personal cover in place too!

We work with some big names.

  • We're technically known as a "whole of market intermediary".
  • But all you need to know, is this means we can compare most UK insurers, to get you the best possible deal.
  • We work with lots of big names - many of which you will have heard of!
  • But importantly we also work with some lesser-known specialist insurers.
  • This means if you have pre-existing conditions or a risky job, we're best positioned to get you covered!
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Insurance that gives back to you!

We like to reward our customers for doing the right thing...

£150 Cash Back Voucher!


When you take out Life Insurance, Critical Illness Cover or Income Protection you get up to £150 to spend at hundreds of well-known retailers. Does not apply to Private Medical Insurance.

FREE Will Writing Kit


When you take out an insurance policy through us you're automatically eligible for a FREE Will Writing kit, because protecting your family is what we do.

Win Amazing Prizes!


Monthly Giveaways: On some months we offer giveaways and prizes, ask your adviser whether we're running one this month to see if you're eligible!

How our voucher reward works: When you take out Life Insurance, Critical Illness Cover or Income Protection through Blue Light Insurance you are eligible for the voucher reward offer. The amount of your voucher is calculated by the size of your total insurance policy premium, rounded up to the nearest whole number. For example, if your policy premium was £46.50 per month, you would get a voucher reward worth £47.00. The voucher reward is payable only when your policy goes active, and is paid 3 calendar months after your policy start date. Maximum voucher reward per postcode is £150.00. Reward not available for those who take out Private Medical Insurance or Whole of Life Insurance or for Wills, Trusts, Remortgages or Mortgages.

How our free will kits work: In the event you purchase a policy through Blue Light Insurance you will be eligible for a free will writing kit. Upon request we will send a will writing kit to you in the post no later than 14 working days following such request. Only one will kit per postcode. Will writing is not regulated by the Financial Conduct Authority

Policies packed full of features.

Wouldn't it be nice if your insurance did more than just cover the worst case scenario? Many of the policies we offer include all sorts of extra benefits including:

24/7 Digital GP Services

Mental Health Support Services

Best Doctors® - Second Medical Opinion

Rewards for leading an active lifestyle

If you want to find out more about additional benefits and services, then just speak to one of our advisers - they'll be happy to help!

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Why choose Blue Light Insurance?

1. We've got hundreds of five star trustpilot reviews



Don't just take our word for it, why not check us out on Trustpilot and have a read of some of the great things other Blue Light Workers have to say about us.

3. We're authorised and regulated by the FCA



Blue Light Insurance Solutions is a trading name of Lifetime Financial Management Ltd, who are regulated by the Financial Conduct Authority.

The important stuff.

  • Blue Light Insurance Solutions is a trading name of Lifetime Financial Management Ltd - Authorised by the Financial Conduct Authority (FCA Number - 448415).
  • When you take out cover, you are protected by the Financial Services Compensation Scheme
  • We abide by the Data Protection Act 1998, and the General Data Protection Regulation (GDPR)
  • All phone calls are recorded for training and monitoring purposes.
Read our privacy policy here.
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