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Critical Illness Protection

Protect Your Financial Future in the Face of Serious Illness

Protecting You, Your Family & Your Home

At The Lytle Group, we provide expert advice on critical illness protection, helping you safeguard your finances if you were diagnosed with a serious illness.

Whether you’re taking out a mortgage, supporting a family, or planning for the future, having the right protection in place can make a significant difference at a difficult time.

As a family-run, directly authorised firm with over 40 years’ experience, we take a personal, relationship-led approach — ensuring any protection we recommend is tailored to your circumstances and priorities.

Based in Brighton & Hove, we support clients across Sussex, the South East of England, and nationwide.

What is Critical Illness Protection?

Critical illness cover is designed to pay out a tax-free lump sum if you are diagnosed with a specified serious illness during the policy term.

This can include conditions such as:

  • Cancer

  • Heart attack

  • Stroke

  • Multiple sclerosis

  • Other serious or life-altering illnesses (depending on the policy)

The payout can be used however you choose, including:

  • Paying off or reducing your mortgage

  • Covering household bills and living costs

  • Funding private medical treatment or recovery

  • Providing financial stability for your family

Why Critical Illness Cover Matters

A serious illness can have a major financial impact, particularly if you are unable to work for a period of time.

Critical illness protection can help you:

  • Maintain your mortgage payments

  • Protect your lifestyle and savings

  • Reduce financial stress during recovery

  • Support your family when they need it most

We believe protection should be considered alongside any mortgage or financial planning, not as an afterthought.

Types of Critical Illness Cover We Advise On

As directly authorised, whole-of-market advisors, we can recommend a range of protection solutions tailored to your needs:

✔ Level CoverA fixed payout amount throughout the policy term.

✔ Decreasing CoverDesigned to align with a repayment mortgage, where the cover reduces over time.

✔ Joint PoliciesCovering two applicants under one policy (commonly used by couples).

✔ Standalone or Combined PoliciesCritical illness cover on its own or combined with life insurance.

✔ Family Protection PoliciesIncluding additional benefits such as children’s cover.

✔ Policies with Added BenefitsSuch as income support, premium waivers, or enhanced definitions.

We will explain the differences clearly so you can make an informed decision.

Tailored Advice for Your Situation

Every client’s needs are different. We take the time to understand:

  • Your mortgage and financial commitments

  • Your income and employment situation

  • Your family circumstances

  • Your existing protection (if any)

From there, we recommend cover that is appropriate, affordable, and aligned with your long-term plans.

Critical Illness Cover with Your Mortgage

Many clients choose to arrange critical illness protection alongside their mortgage.

This ensures that, in the event of a serious illness:

  • Your mortgage could be repaid or significantly reduced

  • You and your family can remain in your home

  • Financial pressure is minimised during recovery

We will guide you through how to structure protection alongside your mortgage in a practical and cost-effective way.

Whole-of-Market Protection Advice You Can Trust

The Lytle Group is directly authorised and regulated by the Financial Conduct Authority and provides whole-of-market protection advice.

This means:

  • We are not tied to a single insurer

  • We compare policies across the market

  • We recommend cover based on suitability, not commission

Our aim is to ensure you receive the right level of protection, not simply the lowest price.

Protection Advisors in Brighton, Hove & the South East

As Brighton-based advisors, we understand the importance of protecting both your home and your financial future.

We work with individuals, couples, families, and business owners across Brighton, Hove, Sussex, and the wider South East, as well as clients nationwide.

Speak to a Protection Advisor

If you’re considering critical illness cover or would like to review your existing protection, we’re here to help.

Your initial conversation is friendly, confidential, and without obligation. We’ll take the time to understand your situation and explain your options clearly.

Contact The Lytle Group today to arrange a no-obligation discussion with a trusted protection advisor in Brighton.

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