Having used Halo to set up a Private Health Scheme for a work colleague, I returned to set up some Critical Illness cover for myself on a personal basis. I found the consultant "Jamie Beeson" to be super helpful, with a good knowledge of all the products, I had questions about, this covered Private Health Care, Life Assurance and Critical Illness, nothing was too much trouble, "Jamie" was very patient as due to work commitments, I had to call back several times ! I eventually decided on a product and was walked through the forms (via telephone) and cover was set up almost immediately I would definitely recommend Halo and highly recommend speaking with "Jamie Beeson" if you are considering taking out any type of Life / Health / Critical Illness cover