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Critical illness insurance provides financial protection if you’re diagnosed with a specific illness or disability. Not all policies cover every serious illness, so it’s important to explore options before getting a policy. Be honest with your advisor about your health to avoid claim rejections.
If the policyholder passes away from a covered condition, a lump sum is released, regardless of their ability to work. The policyholder can use the money to pay off their mortgage, cover medical expenses, or make home improvements. Contact us for critical illness insurance in Birmingham and our expert protection and mortgage advisors in Birmingham will find the right coverage for you.
If you need assistance with Critical Illness Cover or need to speak to a mortgage broker in Birmingham, we are available to provide comprehensive answers to all your insurance inquiries. Seeking advice before selecting an insurance product can help you identify the most suitable option based on your individual circumstances.
Compared to most life insurance products, Critical Illness Cover encompasses a broader range of conditions, increasing the likelihood of a pay-out. Consequently, the premiums for this type of coverage may be slightly higher.
In today’s world, advancements in medical treatments have improved the survival rates for various illnesses. Therefore, it is essential to have a source of income to support your financial needs in such circumstances. Additionally, it is important to consider factors like mortgage payments, dependents, or significant credit obligations.
Our qualified protection and mortgage advisors in Birmingham are open and honest communication when helping you secure critical illness cover. We ensure that your policy aligns precisely with your needs and preferences.
Critical illness cover may have higher costs compared to life insurance due to its broader coverage of illnesses and disabilities. Your mortgage advisors in Birmingham will explain the details and workings of the policy, exploring all available options to determine the most suitable fit for your situation. If another policy would be more advantageous, they will transparently inform you.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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29 5 Star Reviews
Dee Homer
Matt has been brilliant, hes explained and walked me through everything making it as easy and as straight forward as possible. Matt has been at the end of the phone, every time I've had questions or just needed some reassurance, I would recommend moneymanuk to anyone who is looking for an independent mortgage adviser xx
13 May 2026
Sophie O'Connor
Had a great experience with Money Man UK, who kept us informed and updated throughout every stage of the process. They were always transparent and never apposed to exploring all of our options and gave us time to consider them thoroughly. Would highly recommend and very glad we were recommended their services.
23 Apr 2026
Ethan Marshall
Jason and Lizzi were extremely helpful and ensured I got a good deal.
31 Mar 2026
Dainius Stepulevicius
Very helpful and informative. As a first time buyer with limited knowledge I was Guided with patience and great knowledge. Mortgage and Insurance was sorted within 2 weeks as painless as possible. Even providing references for shortlist of solicitors and thus saving more time. Best part even after Mortgage deal is done they are still happy to respond to other questions too. For that they are invaluable!
11 Jul 2025
besty jose
I had a fantastic experience working with Chris as my mortgage advisor. He was incredibly patient, always took the time to explain things clearly, and gave thoughtful advice whenever I needed it. Stacey handled all my paperwork efficiently and kept me updated throughout the process. Thanks to their combined efforts, I received my mortgage offer in less than 7 days! I am really grateful for their support and highly recommend their services.
15 Apr 2025
Renu Badhan
Great service by Charlie and the Team, thank you so much for your help!
16 Feb 2024
Ali Vafadar
A very satisfied customer. Charlie Bryson was my mortgage advisor, and I found him to be an incredibly professional, friendly and knowledgeable person. He offered me detailed and in depth advise and recommended a very good deal. My case was then referred to Meghan Robinson, who took care of my application with the lender. Similar to Charlie, she took time to listen to my queries and updated me of the progress of the application. It took roughly 2 weeks for me to get a mortgage offer from the lender. I highly recommend them for anyone looking for a mortgage/remortgage.
1 Nov 2023
F S (FS)
Fantastic company with great customer service. We have been dealing with them since the beginning of last year when we were trying to purchase a house .They have always been so helpful. Will recommend the company for anyone trying to get a good mortgage deal.
17 Aug 2023
Roi Collazo Nunez
easy, affordable and supportive
25 Jul 2023
Jake Burling
Very good service. Everything was explained clearly and concisely. Cost of living crisis was considered and did the best job they could to get a good deal.
24 Jun 2023
Engage in a conversation with a dedicated protection advisor to explore relevant insurance options that you are interested in or that we can suggest to you. Your protection advisor in Birmingham will discuss your health history with you, gathering initial information.
We will create a plan based on your current personal and financial circumstances, taking into account your available monthly budget. Our team has access to a wide range of insurance products, allowing us to find the most suitable one to safeguard you and your family.
Once we identify the appropriate product for you and you are satisfied with it, we will proceed by submitting your application to the provider. Occasionally, the policy provider may request additional information from us before considering the application.
If you also obtained your mortgage through us, we will reach out to you when it’s time to remortgage. During this time, we will also review any policies you currently have in place. Circumstances change over time, and the policies you initially acquired with your mortgage may no longer be suitable when remortgaging.
Join us for a complimentary Insurance consultation in Birmingham and gain valuable insights into Critical Illness Cover. During your appointment, you’ll have the opportunity to speak with one of our knowledgeable Protection Specialists in Birmingham. They will present a variety of policies tailored to your unique circumstances, ensuring they are beneficial for you and your family.
When seeking protection advice in Birmingham, Critical Illness Cover can be an excellent choice. Regardless of the available coverage options, it offers significant benefits and peace of mind, knowing that your family will have financial stability to cover any outstanding debts or expenses.
Our dedicated team strives to provide you with the most suitable policy, acting as a financial safety net for your family in the unfortunate event of your passing. Opting for Insurance options in Birmingham will help alleviate any financial burdens your loved ones may face during such a challenging time.
Drawing on our extensive experience as a mortgage broker in Birmingham, we have observed that many of our customers choose to supplement their Critical Illness Cover with other policies, depending on their individual needs and circumstances.
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Birminghammoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Birminghammoneyman 2009–2026
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Birminghammoneyman is a trading name of UKMM Limited, which is an appointed representative of Mortgage Advice Bureau (Derby) Limited, who are authorised and regulated by the Financial Conduct Authority.
UKMM Limited is Registered in England, No. 16541342 | Registered Address: Capital House, Pride Place, Pride Park, Derby, England, DE24 8QR.
© Birminghammoneyman 2009–2026
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