Serious Illness Cover protects clients from the financial impact that a serious illness can have on their life. If they are diagnosed with one of the conditions covered, it pays out a cash lump sum. It bases the size of the pay-out on how severe their condition is. Serious Illness Cover covers the client for more conditions than any other insurer, including all heart attacks, all strokes and more cancers. It also covers the client for some less severe and early stage conditions of illnesses that other insurers don’t cover, so pay-out is earlier and when they need it. It also lets the client claim more than once if they have a minimum protected account.
Carrs Farmhouse
37 Overend, Elton, Peterborough, PE8 6RU
admin@tuto.org.uk
Email us at any time
01733 235221
All calls to and from our landlines are recorded to meet regulatory requirements
Carrs Farmhouse
37 Overend, Elton, Peterborough, PE8 6RU
admin@tuto.org.uk
Email us at any time
01733 235221
All calls to and from our landlines are recorded to meet regulatory requirements
Illness Cover
Illness policies may not cover all definitions of a critical/serious illness, and the scope of coverage may vary from policy to policy
Recent UK data shows that household financial resilience remains fragile. As of late 2025, 21% of adults report they could not afford an unexpected £850 expense, although this has improved from 33% in early 2023. Only 25% of households are financially secure, with 36% exposed to financial shocks.
Cancer incidence has risen significantly since 2010. The UK now records around 423,900 new cancer diagnoses each year, equivalent to approximately 1,160 people diagnosed every day.
Cardiovascular disease remains a major health burden. England recorded 111,137 stroke admissions in 2023/24, a 28% rise since 2004/05. Heart‑attack and related cardiovascular trends are monitored through the British Heart Foundation’s 2024 national datasets, which show shifting patterns in incidence and prevalence across the UK.
Family Income Benefit
Family Income Benefit pays your dependents a regular income if you were to die or suffer a critical illness within the term of the plan. It’s usually taken out to cover living expenses or replace the breadwinner’s income until your dependents become financially independent. If a successful claim is made, the income will continue until the end of the term.
Income Protection Insurance
Income Protection Insurance protects you if you become ill or get injured
Critical Illness Cover
Critical Illness Cover pays a one off lump sum on the diagnosis of a specified illness, regardless of whether you’re able to work or not. Typically, they also pay the lump sum if you become permanently totally disabled. This can be added to most Life Insurance policies when you apply.
Serious Illness Cover
Redundancy Cover
Redundancy Cover is available on products that we can access, please contact us for details.
Accident and Hospital Cover
Accident and Hospital Cover covers you for hospital stays due to an accident or sickness (sickness occurring after the first 12 months of cover). Can also cover you for broken bones, accidental permanent injury and accidental death.