Why do recruitment consultants need critical illness cover?
A serious illness that prevents a recruitment consultant from building and managing client relationships can significantly affect commission income. Critical illness cover pays a tax-free lump sum on diagnosis, covering lost income and ongoing costs during recovery — independent of how the illness affects your commission structure.
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 recruitment consultants need?
A good starting point is 3–5 times your annual salary, or enough to clear your mortgage plus 12 months of living costs. Recruitment consultants are typically offered preferred or standard rates for critical illness cover.
How much does CIC cost for recruitment consultants?
A healthy 35-year-old recruitment consultant 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. Recruitment consultants 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.