Why do quantity surveyors need critical illness cover?
Quantity surveyors invest years in professional qualifications and career development. A serious illness that prevents you from working could derail that career and significantly affect your family's finances. Critical illness cover provides a tax-free lump sum to bridge the financial gap during recovery.
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 quantity surveyors need?
A good starting point is 3–5 times your annual salary, or enough to clear your mortgage plus 12 months of living costs. Quantity surveyors are typically offered preferred or standard rates for critical illness cover.
How much does CIC cost for quantity surveyors?
A healthy 35-year-old quantity surveyor 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. Quantity surveyors 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.