Why do social media managers need critical illness cover?
A serious illness affecting cognitive function, concentration, or mental health can prevent a social media manager from delivering client work. Critical illness cover pays a tax-free lump sum on diagnosis, giving you the financial space to step back from client commitments and focus on 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 social media managers need?
A good starting point is 3–5 times your annual salary, or enough to clear your mortgage plus 12 months of living costs. Social media managers are typically offered preferred rates for critical illness cover.
How much does CIC cost for social media managers?
A healthy 35-year-old social media manager 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. Social media managers are typically offered preferred 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.