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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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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.
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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...
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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...
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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...
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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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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...
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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
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Lisa
Always on hand
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Adam
Really quick & helpful
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Arvind
As ever, we've had a great experience. Daniel was patient with all our queries and clear in his response. Thank you.
4 months ago
Jahanzaib
Very happy with mortgage deal very good and professional
5 months ago
Samantha
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.
5 months ago
Jahanzaib
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Jamie
Chris and Kerry were fantastic, really helpful throughout the whole process. Very friendly and informative. Would highly recommend.
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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...
8 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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Leedsmoneyman 2025.
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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: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Leedsmoneyman 2025.
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