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Critical Illness Cover Advice in Leeds

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Critical Illness Cover Advice in Leeds

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 Leeds work?

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.

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Critical Illness Cover Advice in Leeds

Do I need critical illness cover advice in Leeds?

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.

What else do I need to know about critical illness cover in Leeds?

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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Critical illness in Leeds FAQs

Why should I speak with a mortgage and protection specialist in Leeds?

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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.

What are the costs of critical illness cover, and how will our mortgage advisors in Leeds help me navigate my options?

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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.

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Our Simple Step by Step Process

Free 30-Minute Insurance Review

Step 1

Start a conversation with our dedicated protection and mortgage advisor in Leeds to explore the insurance options that align with your interests and needs.

We Will Search Through Different Insurance Products

Step 2

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.

Submit Your Insurance Application

Step 3

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.

Protecting You and Your Family

Step 4

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.

Reasons to Choose us

Free Protection Review

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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.

1000's of Deals

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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.

Our Service

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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.

7 Days a Week

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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.

Malcolm and Amy Davidson - Mortgage Advice in Leeds

Finding you the Right Critical Illness Cover in Leeds

Fleet Mortgages
Paragon Mortgages
TSB Mortgages
Halifax
Bluestone Mortgage Advice
BM Solutions Mortgages
Chorley Building Society
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HSBC
Nationwide
Skipton
Pepper Money
Mortgage Works
Coventry Building Society
Santander
Natwest Mortgage Advice
Newcastle Building Society
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Accord Mortgages
Aldermore Mortgage Lender
Beverley Building Society
Kent Reliance
Virgin Money & Mortgages
Leeds Building Society
Scottish Widows
Foundation Home Loans

Different Types of Critical Illness Cover in Leeds

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

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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.

Can I buy a Critical Illness cover for both me and my partner?

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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.

How does critical illness cover differ from income protection?

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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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