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Critical Illness Cover Advice in Birmingham

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Critical Illness Cover Advice in Birmingham

Safeguard against life's uncertainties with critical illness cover. With a broad range of policies, we help you find protection tailored to your needs.

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How does critical illness cover in Birmingham work?

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.

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Critical Illness Cover Advice in Birmingham

Do I need critical illness cover advice in Birmingham?

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.

Why should I speak with a protection and mortgage advisor in Birmingham?

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 best fit for your situation. If another policy would be more advantageous, they will transparently inform you.

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Critical Illness Cover in Birmingham FAQs

What is critical illness cover in Birmingham?

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Critical illness cover is an insurance policy that offers financial protection in the event of a severe illness or disability diagnosis. It can provide relief by covering mortgage payments, clearing debts, or addressing other financial needs. When a claim is made, you can receive a tax-free lump sum or opt for regular monthly payments from the policy.

How does critical illness cover in Birmingham work?

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Typically, critical illness cover policies have a specific duration outlined at the time of purchase. If you prefer lifelong coverage, a Whole of Life insurance product may be more suitable. Commonly covered conditions in critical illness policies include heart attacks, strokes, and cancer.

The monthly premium is determined not only by the coverage you select but also factors such as age, gender, health history, occupation, and lifestyle habits like smoking or drinking.

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Our Simple Step by Step Process

Free 30-Minute Insurance Review

Step 1

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 Search Through Different Insurance Products

Step 2

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.

Submit Your Insurance Application

Step 3

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.

Protecting You and Your Family

Step 4

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.

Reasons to Choose Us

Free Protection Review

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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.

1000's of Deals

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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 Service

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Our dedicated team strives to provide you with the best possible 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.

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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.

Malcolm and Amy Davidson - Mortgage Advice in Birmingham

Finding you the right Critical Illness Cover in Birmingham

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Different Types of Life Insurance in Birmingham

Why should I get critical illness cover in Birmingham when I have life insurance?

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You are more likely to survive and recover if you get seriously ill or are diagnosed with an illness or disability, therefore, you may need financial support to help you with payments such as your mortgage, child support or something else.

The lump sum doesn't have to be used on any of these things, some people use it on a holiday or buy something to treat themselves.

Can I buy a critical illness cover for both me and my partner?

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Just like life insurance, you may be able to take out a joint critical illness policy that pays out when you or your partner gets critically ill. The drawback to these policies is that the full policy lump sum will pay out at once.

How does critical illness cover differ from income protection?

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If you are diagnosed or get seriously ill and the illness is covered in your policy, you will receive a lump sum. This is done to financially support you and your family in these uncertain times; income protection carries on paying out if the illness or diagnosis resolves in you being unable to work. This can also keep paying out in monthly instalments until retirement.

Unlike critical illness cover, income protection will be guaranteed to pay out if you are unable to work. This will be carried on until you are able to work again or if you die.

Free Mortgage Guides & Birminghammoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.

UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.

Authorised and Regulated by the Financial Conduct Authority.

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