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Critical Illness cover can help you financially when you are diagnosed with a particular illness such as certain forms of cancer, heart attack, or a stroke occurs. The insurance provides you with a financial blanket if you get sick from any of the diseases listed in the policy. Please make sure to read through your policy terms because not all serious illnesses are covered in every policy.
Make sure you do disclose any underlying health problems when you are taking the policy to avoid the risk of your claim being denied. This does not apply to conditions that you did not know or were not present at the time of application.
If the condition is mentioned in the policy, the lump sum is paid. This applies even if they have or returns to work or not.
The lump-sum can be used by the claimant for anything if it be repaying their mortgage, pay for medical care, or renovate their home.
If you are looking into protection and mortgage advice in Cambridge and wanting to know your options, we always recommended to speak with a qualified protection specialist before 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. Your protection specialist advisor in Cambridge will help you find the most suitable deal.
You are more likely to survive the types of conditions covered than they were 30 years ago. Unfortunately, if you get sick with any of the conditions, this can cause financial difficulties, especially if you have a mortgage, children or large credit commitments.
Typically speaking, your policy will last for a specific number of years, though there are protection providers out there who may offer whole of life policies.
Every protection provider that offers this type of cover, will not only have their own examples of what classes as “critical illness cover “, with the major ones being heart attacks, strokes, cancer etc., but they will also determine your monthly fee based on your age, gender, health and medical record, what your job is and whether or not you drink or smoke.
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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Discuss with a dedicated protection and mortgage advisor in Cambridge about possible relevant insurances you would like to take or that we can suggest to you.
Your protection advisor in Cambridge will run through you health background with you, gathering some initial information.
We will build a tailored plan surrounding your current personal and financial circumstances, meeting your available monthly budget.
Our team can search through loads of insurance products to try and find the most suitable policy, to protect you and your family.
Once we have found the appropriate product for you and you are happy to proceed, we will submit your application to the provider.
From time to time, the policy provider may come back to us for further information, before they will look at accepting the application.
If you took out your mortgage with us too, we will be back in touch with you at remortgage time. We will also take this time to review any policies you have in place.
Circumstances change and the policies you took out at the start of your mortgage, may no longer be suitable for you at remortgage time.
If you took out your mortgage with us too, we will be back in touch with you at remortgage time. We will also take this time to review any policies you have in place.
Circumstances change and the policies you took out at the start of your mortgage, may no longer be suitable for you at remortgage time.
Our qualified protection advisors in Cambridge, 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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Cambridgemoneyman 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.
© Cambridgemoneyman 2025.
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Cambridgemoneyman 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.
© Cambridgemoneyman 2025.
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