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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.
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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Leo & his team have been very helpful and explained everything in great detail so I could understand. 100% recommend!
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Luke
Malcolm, Louise, and team were great - helped me with a slightly more complex situation and were on hand every step of the way. Great service and would definiitely recommend!
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They have been responsive, profesional and commmitted from the start of the first conversation. I would recommend them to anyone wants a highly personal service with real expertise in the mrket.
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Both Dinah and Lewis were super helpful when I was applying for my mortgage. They gave clear and easy to understand advice and kept me updated on the process. Would definitely recommend.
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Joe
Fantastic service. I dealt with Charlie 5 years ago for my first mortgage and Dan again for my remortgage recently. Always on the ball, friendly and knowledgeable.
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Connor
Excellent service. Have responded instantly to any of my emails and questions and helped guide someone who knows absolutely nothing through the whole process. Despite having a tricky scenario other lenders denied they got me sorted out far quicker...
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Luke
Malcolm, Stacey & Team were fantastic throughout the process. Their communication is clear, friendly, and they provide regular updates during a stressful period. The application was dealt with professionally and I would definitely recommend their...
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Anonymous
Helpful and knowledgable.
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Kirk
Used Leeds moneyman a couple of times now. Service levels have been great each time, securing a good rate and helping me through the process. The fee is worth every penny and I wont hesitate to use them again in the future. Thanks for Chris, Jo and...
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Mr Devmith
Daniel was very knowledgeable, friendly and took the time to speak with me and take my point of view into consideration as well. Definitely a return customer!
4 months ago
Joan
Great service
5 months ago
Anonymous
Great company, I have been working with them across many years fo me two properties (a residential mortgage and a buy-to-let), remortgaging many times and always getting sensible advice. In the end they save you a lot of money and time.
6 months ago
Anonymous
Really listened and understood what I needed from my insurance, and did a good job finding something aligned with my price point. I felt they had an in-depth understanding of the market, and used this information to provide me with a tailored...
6 months ago
Mr James
Daniel was brilliant start to finish. Professional, thorough and most of all very patient and accommodating. Reassured me all the way and ensured I'll 100% be using his services again. I hope his hard work is appreciated in the company, thanks very...
6 months ago
Kelly
Best company to use!! Tom and stacey have been amazing! Has a first time buyer I wasn't sure of much of the mortgage process. Tom explained everything to me in terms I would understand and has been great in keeping me up to date. Stacey has carried...
6 months ago
Anna
Chris has been absolutely fantastic walking us through the process of buying our home as clueless first time buyers! All questions were answered promptly and we were able to have evening meetings with him to work around our working hours. Chris has...
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James
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Anonymous
Answered all my questions and very worry free
7 months ago
Miss Megan
I came to Moneyman for help with my first home purchase. Jason and the team went above and beyond to answer every question I had, as well as break down every step that I needed to take with care and professionalism. All correspondence was answered...
7 months ago
Mr Paul
Would highly recommend Leedsmoneyman, have used them every time since securing our mortgage first time around. Lewis Davidson & Daniel Dunning-Hornby have been especially helpful and always on hand when needed
7 months ago
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 most suitable 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.
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Leedsmoneyman 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.
© Leedsmoneyman 2025.
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Leedsmoneyman 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.
© Leedsmoneyman 2025.
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