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Critical illness cover is a long-term insurance policy covering severe illnesses listed within a policy.
At the time of taking out the policy, you will need to disclose any underlying medical conditions. This may result in some illnesses getting excluded from the cover. Failure to disclose any underlying medical conditions could make the policy void in the event of a claim.
This illness policy will pay out a one-off payment that will help pay for your mortgage, medical care or make modifications to your home, should you need it.
If you are seeking critical illness insurance in Leeds, our expert protection and mortgage advisors in Leeds are here to help you.
If you are looking into Protection Advice in Leeds, it’s always recommended to speak with a qualified Protection Specialist prior to taking out any type of cover. You are more likely to claim on Critical Illness Cover than you would be with Life Insurance, so this can be more costly. Looking into mortgage advice in Leeds will help you find the most favourable deal.
There is a higher chance of you surviving the types of conditions covered than it was 30 years ago. If you do unfortunately become ill with any of the conditions, this can create financial hardship, especially if you have a mortgage, children or any large credit commitments.
Critical illness insurance will pay out if you get one of the specific medical conditions or injuries listed in the policy.
Please be aware that the policy will cover not all instances of a particular illness. The policy will state what specific conditions are covered and define these in the policy documentation.
We tend to find some customers confuse critical illness cover with life insurance. Although they can be purchased together, they are entirely different in terms of what they cover.
What the claimant does with the lump sum, is entirely up to them. As a trusted mortgage broker in Leeds, we see many use the money to repay their mortgage, pay for medical care or make any developments to their home.
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Very happy with mortgage deal very good and professional
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I've used the twice now and they have been exceptional each time. Have also recommended to friends and family, who have had a great service. Completely smooth and seamless process, friendly staff, great communication. Couldn't ask for more.
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Jamie
Chris and Kerry were fantastic, really helpful throughout the whole process. Very friendly and informative. Would highly recommend.
2 months ago
Amy
Great broker company. Chris and Kerry were amazing. They were always on hand to help us and chased our solicitors and calmed us when things weren’t going the way it should. We can’t thank them enough.
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Chris
Jason and Jo were very helpful and supportive all the way through the process. They provided me with great support from a mortgage point of view and a mental health point of view (they answered all my worries in a timely manner). I would 100%...
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Anonymous
Excellent service through a rather complicated moving period which involved two changes of house purchase with attendant changes in mortgage requirements. Dan O was able to obtain a later life mortgage where other brokers had failed. He gave...
3 months ago
Mr
Very good service Dinah was great and they keep in touch throughout the whole process
4 months ago
John
Great service received by Jason Loft. He took the time to clearly explain our options and to arrange our new mortgage, making the process a lot easier than doing it ourselves.
5 months ago
Anonymous
A very helpful and efficient service, very impressed with the information provided and the mortgage deal which was found for us. Very good value for money.
5 months ago
Ikra
Great service from Matt. From the very beginning he’s been easily contactable and kept me updated at every stage. He’s gone over and beyond to ensure I’ve got the best chance of securing a good mortgage and I can’t thank him enough.
6 months ago
Megan
Excellent and thorough service. Jason was patient with my many questions and was happy to go through different scenarios to work through what would work best for us in our current situation. Would definitley reccommend.
6 months ago
Rachel
Really impressed with the service, second time we have used these! If I ever wanted to move again, we would definitely use these!
6 months ago
Shaun
Leedsmoneyman have been excellent from start to finish keeping us informed along the way. They make a daunting process as painless as possible. I would recommend to anyone
6 months ago
Valerie
Tom we thank you very much and thanks to Malcolm for putting us in touch with you. We very appreciate all the help and advice for our future 😀 and we will be back to you for any further finance advice. Kind regards Val and Tony Ripley
7 months ago
Rob
Excellent service. Helped us through the process with professionalism. It’s a complicated process and a huge decision to most people, but Chris and the team explained everything and helped us get the best deal.
7 months ago
Charlie
Service was amazing! Jason and the team made sure I was always kept up to date and available to answer any questions.
8 months ago
Lucy
Would 100% recommend! Being first time buyers, we didn’t really know the process when searching and applying for a mortgage but Charlie explained the process clearly and we knew what to expect throughout. We had a mortgage offer within a week of...
8 months ago
Anonymous
Professionalism and transparency are key. Less is more, fat free service.
9 months ago
Sithabile
Chris was very efficient, kept to his appointment time and mortgage review was approved instantly.
9 months ago
Our qualified protection and mortgage advisors in Leeds aim open and honest communication when assisting you in obtaining critical illness cover. We strive to ensure that your policy aligns precisely with your unique needs and preferences.
Critical illness cover often carries higher costs due to its comprehensive coverage of a wide range of illnesses and disabilities. Our mortgage advisors in Leeds will provide a thorough explanation of the policy’s details and workings. They will explore all available options to determine the most suitable fit for your specific situation. If another policy type would be more advantageous, they will transparently inform you.
Start a conversation with our dedicated protection and mortgage advisor in Leeds to explore the insurance options that align with your interests and needs.
Our extensive access to a range of insurance products lets us to identify the most suitable and effective policy to protect you and your family.
We will move forward by submitting your application to the provider. In some cases, the policy provider may require additional information from us to further review your application.
If you've secured your mortgage with us, we'll be in touch when it's time for you to remortgage. This will provide us with an opportunity to review any existing policies you currently hold.
All our customers are offered a free, no-obligation protection review which involves speaking to one of our Insurance Advisors in Leeds who will assess your suitability as well as look into existing policies in place. Remember, insurance could be very beneficial for your future.
Our qualified Protection Advisors in Leeds, provide a tailored service that can help you find the best cover for you and your circumstances. Furthermore, we understand that affordability is key, which is why we find the type of cover that is fitting for your family’s priorities and budget.
Take a look at our fantastic reviews by heading over to our reviews page. You may find that someone has been in a similar situation to you before and we have been able to help.
If you are looking to take out a menu plan (one or more insurances at once) we can also help with that! All you have to do is get in touch with our team and we can run through some quotes with you.
With today’s medical advances, if you get critically ill, you are more likely to survive and recover. As mentioned, the lump sum can be used for anything. Some people use it to fund recovery, pay bills and relieve general financial stress.
Joint critical illness cover is an option that is there for if you or your partner gets critically ill, providing you with the funds you need. The one drawback for this is that it will pay out in full, even if only one of you gets critically ill.
Critical Illness cover is paid out in a lump sum if you become ill with any of the conditions listed on the policy. This is done to support you and your family, whereas income protection is paid out in the form of an ongoing income. This is helpful in the event of being unable to work and has the option to be paid all the way to retirement age.
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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Leedsmoneyman.com & Leedsmoneyman 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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Leedsmoneyman.com & Leedsmoneyman 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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