Why do paralegals need critical illness cover?
A serious illness diagnosis can prevent a paralegal from working for months. Critical illness cover pays a tax-free lump sum that can be used to cover mortgage payments, bills, and living costs during recovery — providing financial independence during what can be a very difficult period.
What does critical illness cover pay out for?
Most UK policies cover 30–50 serious conditions, including cancer, heart attack, stroke, multiple sclerosis, and organ failure. The payout is a tax-free lump sum — use it to clear debt, fund treatment, or replace lost income.
How much CIC do paralegals need?
A good starting point is 3–5 times your annual salary, or enough to clear your mortgage plus 12 months of living costs. Paralegals are typically offered preferred or standard rates for critical illness cover.
How much does CIC cost for paralegals?
A healthy 35-year-old paralegal can typically get £100,000 of cover for £25–£50 per month. Use our comparison tool to get personalised quotes.
Frequently Asked Questions
Not necessarily — CIC premiums are based primarily on age, health, and smoking status. Paralegals are typically offered preferred or standard rates for critical illness cover.
Yes — payouts from personal critical illness policies are completely tax-free in the UK.
Many people choose a combined policy for simplicity. However, standalone CIC gives more flexibility to adjust each policy independently.