How we make money

You pay us nothing

You pay Critical Illness Cover nothing for using our website or sending an enquiry.

If you choose to take out insurance, you will pay premiums for your policy.

How we are paid

We pass your enquiry to one protection specialist as a critical illness cover enquiry. This is an adviser or broker firm authorised by the FCA, or one of its appointed representatives. The specialist buys enquiries through Protection Connect, another trading style of PJG Financial Limited.

The specialist pays PJG Financial Limited a fee for each enquiry passed on. This is payment for the introduction. Passing on your enquiry is not a recommendation of the specialist or any policy.

If no specialist takes your enquiry, we do not pass it on.

Our role

For insurance, PJG Financial Limited's permission is introductions only. It does not give advice, arrange or sell insurance, and never holds client money.

Our guides provide general information. They are not advice.

The specialist contacts you by phone or email about your enquiry. It explains your options and gives you quotes.

What the specialist may earn

The specialist may earn commission from the insurer if you take out a policy. It must tell you about that commission.

Your choice

Sending an enquiry does not oblige you to buy insurance. You can decide whether to speak to the specialist and whether to take out a policy.

You are free to compare options elsewhere.

About PJG Financial Limited

Critical Illness Cover is a trading style of PJG Financial Limited.

PJG Financial Limited, registered in Scotland, company number SC535782. Registered office 5 South Charlotte Street, Edinburgh EH2 4AN.

Authorised and regulated by the Financial Conduct Authority, Firm Reference Number 919697.

PJG Financial Limited is not VAT registered.

For questions about how we make money, email hello@illnesscover.uk or write to our registered office.