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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 best fit for your situation. If another policy would be more advantageous, they will transparently inform you.
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.
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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Philip
Dan and Jonathan were very helpful and explained everything in detail. We were able to then make an informed decision on our lifetime mortgage.
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Philip
Dan and Jonathen explained everything in a clear and concise manner and were quick to address any concerns. All in all it has been a straightforward experience.
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Anonymous
Great brokers, very helpful and efficient.
3 months ago
Charlotte
Fantastic! So quick and efficient and answered all of my questions! Jason and Jo were great, i couldn’t recommend them more! As first time buyers it was an overwhelming process but they made each step so easy! We would certainly recommend!
4 months ago
Rasna
Dinah and Stacey, both have been amazing dealing with my mortgage. I can’t recommend them enough, Dinah has been helpful and has gone above and beyond to get the support/advice I need. I’ve had to change my property and both Dinah and Stacey...
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Jason and his colleagues at UK Moneyman have been amazing from the start. When we began the process of house buying and finding a mortgage we knew very little, but Jason explained much to us in a telephone consultation and outlined all our options....
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Very impressed, service was really good and efficient and anything g that needed explaining was done very clear. Would definitely recommend
10 months ago
Shelline
Leo Shakespeare and Stacey Jopling has work long side each other to made this entire journey extremely smooth and informative as a first time buyer. His service has been phenomenal. I had been rejected from many other brokers and banks and he...
1 year ago
Nafesa
I have been dealing with Wendy and Malcolm in regards to my house purchase and I could not recommend these enough. A true credit to the company. Very efficient with communication and solving any issues that needed to be addressed. Would highly...
1 year ago
Anonymous
Incredibly helpful, supported throughout whole process
1 year ago
Nazeef
Fantastic experience. Charlie helped me race through to secure the best mortgage offer, best plan for life and critical illness insurance. Very approachable and responsive even with any queries I had after everything was completed.
1 year ago
Tyler
Had great help from both Joe and Chris and Chloe who were all friendly and always happy to help
1 year ago
Rosie
Made everything very easy, we are first time buyers and they couldn't have been more helpful or informative. They didn't make us feel like we were stupid for not know anything about buying a house and talked us through the entire process. They even...
1 year ago
Sophie
Tom and Meghan were brilliant throughout the entire process! Both were friendly and knowledgeable and explained everything to us clearly and answered our countless questions and gave us clarification where we needed it. Both were easy to contact and...
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Esme
Super helpful, made the whole process really easy and explained everything as we went along. Pretty good at keeping in contact, keeping us up to date and explaining the choices we had and then giving us the time to discuss and make those decisions.
1 year ago
Sheikh
I must say I am very pleased with the service I recieved from Moneyman, they set up regular calls and kept us updated throughout the checking progress. Fairly priced fees and very knowledgeable! I would highly recommend their services
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Abdassami
Second time with this broker and it's been an amazing experience. Would definitely recommend. Anna and Matt were brilliant.
2 years ago
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We couldn't be happier with the service provided. Matt has been professional, helpful and extremely supportive throughout our process. We will certainly be recommending you to friends. Communication was 5* and Matt was available at any point...
2 years ago
Asia
Great team - very good communication and very nice, helpful team that made it possible for me! Thank you for the great service.
2 years ago
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To say we have had a nightmare of a process of trying to buy a house would be an understatement, however Wayne and team were the bright light that helped us get through it. Can't thank them enough for their help.
2 years ago
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 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.
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.
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.
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.
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.
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Birminghammoneyman.com & 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.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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Birminghammoneyman.com & 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.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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