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Critical Illness Insurance is used in a lump sum when a critical health incident such as a heart attack, stroke, or being diagnosed with a certain form of cancer has happened to you. Having this policy in place provides a financial blanket in case you become ill from any of the illnesses stated in the policy you have taken out. Make sure to read from top to bottom all documentation, as not all illnesses are covered, you’ll have more information on this in your policy.
If you fail to disclose any health conditions during the application stage, your claim will be denied. This does not apply to conditions you were unaware of or were not present at the time of application. The lump-sum is paid out providing the condition is mentioned in the policy. This applies even if they have or can return to work.
It’s entirely up to the claimant what to do with the lump sum. Most choose to use the money to repay their mortgage, pay for medical care or make any developments to their property. If you are looking for Protection Advice in Nottingham, we always suggest you speak with a qualified Protection Specialist in Nottingham 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 will help you find the most suitable 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.
Our Protection Advisor in Nottingham has an understanding that each person’s lifestyles are different from one another. However, this doesn’t mean that unforeseen circumstances won’t occur, leaving you in need of financial support.
Critical Illness Cover can help you cover your finances in these situations. It is common for employers to provide sick pay to their employees. However, this doesn’t last as long as it’s offered for a short period.
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 can be an option, in case you or your partner gets critically ill, it will help provide you with the funds you need. The only drawback for this is that it will pay out in full, even if only one of you gets critically ill.
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 sadly pass.
Our qualified Protection Advisors in Nottingham will 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.
All our customers are offered a free, no-obligation protection review which involves speaking to one of our Insurance Advisors in Nottingham who will assess your suitability as well as look into existing policies in place. Remember, insurance could be very beneficial for your future.
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 Mortgage Broker in Nottingham and speak with our team and we can run through some quotes with you.
4.94 Rating269 Reviews
Very helpful throughout the process of securing a mortgage. Happy to talk through different options and offered explanations when requested
Matt Collinson and Chloe dealt with our mortgage application. Excellent service. Working late and weekends when time is of the essence.
Fantastic service by Charlie and Lyndsey, very knowledgable and professional and helped my wife and I secure a great mortgage deal. We will definitely be using their services again in the future and I would highly recommend!
Dinah Harros and Anna Braithwaite were outstanding! No question was too silly, really informative and easy to get a hold of - thank you both so much for helping us get life insurance and a mortage for our first home.
Brilliant service, Ryan and Lyndsey have been fantastic and couldn’t do enough for us and always in touch. Finally we have our dream home! Thank you so much Lauren & Sean x
Absolutely outstanding service from everyone involved. Brilliant communication throughout and everything went through pain free. Already recommended to friends.
Excellent service from Wayne and the admin team. Can highly recommend
Presented different options, clear advice. And obtained a fairly good deal for us. Would recommend
Absolutely brilliant service from Ryan and Jo. Would definitely use again and recommend. Fantastic
Tom Dent was brilliant with advice and he was very professional in the way he handled the matter. He was very reassuring all the time making sure that I did not worry about anything and didn’t lose hope even when things looked like the outcome...
Wayne was lovely and I didn't feel rushed at all during the phone calls we had. No issues with the process at all. Would highly recommend
This is 3rd time we have used moneyman and we will definitely be using them again in the future! Really helpful with the full remortgage process.
I just can’t believe it even today, that we have our Mortgage offer it’s been extremely stressfully time but our brokers Tom Dent and Chloe Masters always reassured us that it will be fine, they were professional informative and very...
Absolutely the best brokers! No job too big no hurdle too huge. Chloe masters and Tom dent helped us get our dream home. They showed the same compassion and empathy we were feeling to what was the most stressful time of our lives! We will be forever...
Really good service, very informative and helpful throughout the whole process.
Very helpful. Always ready at the end of the phone or email to help. Would use again and recommend to others. Made everything so easy, they did all the hard work for me. Thanks
Matt was really helpful and supportive through the remortgage process. Matt was flexible with appointment times and we got a great deal with his help.
Very professional eazy to talk to would recommend them in the future
Helen was a real delight. Very polite, informative and helpful. 😊
So from not having a clue where to start or who to call we found uk Moneyman who took away any stresses we had and helped us from day one to now where we just received our first ever mortgage, can’t thank Tom and Kayleigh enough, even sorted...