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Critical Illness Insurance serves as a lump sum payout in the event of a major health crisis, such as specific types of cancer, heart attack, or stroke. It offers financial protection in the event that you are diagnosed with one of the covered illnesses outlined in the policy. It’s important to note that not all severe illnesses are included in the policy, a point that insurers often face criticism for. However, your policy will contain more detailed information on the specific illnesses covered.
The lump sum received can be used for various purposes, including paying off a mortgage, covering medical expenses, or undertaking necessary home improvements. If you are looking for critical illness insurance in York, our team of expert protection and mortgage advisors in York is ready to assist you.
When considering Protection Advice in York, it’s advisable to consult with a qualified Protection Specialist before obtaining any type of coverage. Critical Illness Cover is more likely to be claimed than Life Insurance, making it potentially more expensive. Exploring mortgage advice in York can assist you in securing the most favorable deal.
The likelihood of surviving the types of conditions covered has increased compared to 30 years ago. However, if you unfortunately fall ill with any of these conditions, it can lead to financial hardship, particularly if you have a mortgage, children, or significant credit commitments.
In some cases, a claim may be rejected because the individual did not disclose specific health conditions during the application process. It’s important to note that this doesn’t apply to conditions that the claimant was unaware of or that were not present at the time of application.
The lump sum is paid out as long as the specified condition is mentioned in the policy, regardless of whether the individual is able to return to work or not. The lump sum is entirely at the discretion of the claimant. As a reputable mortgage broker in York, we often observe individuals using the funds to settle their mortgage, cover medical expenses, or make improvements 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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Alison
Warren and his team have been really helpful and have supported our remortgage efficiently and successfully through to completion this month. We appreciated the personal touch and good understanding of our needs. Thank you very much !
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Steven
Very happy with the level of service, helped us through every stage at no point did we feel like we didnt know what was going on.
3 months ago
Rebecca
Charlie was brilliant. Very friendly and efficient. Would definitely recommend.
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simple process with friendly and helpfull staff
5 months ago
Sarah
Fantastic, friendly service from a super efficient and highly knowledgeable team! This was the first time we've been through the process and we were fully supported at every stage.
5 months ago
Anonymous
Amazing team. Honest and helpful throughout. Malcolm is wonderful.
6 months ago
Lewis
Excellent, thorough service that is definitely worth the money.
6 months ago
Phil
Absolutely brilliant service from Conor and the rest of the team. I was provided clear details and guidance around my options and they made the process an absolute breeze. Really took the headache out of what can be a very stressful process. Would...
7 months ago
Raphaella
Brilliant service helping me to remortgage.
8 months ago
Katy
Matt and the team have been great. Quick turnaround from AIP to formal offer. Good advice and explained well in the initial stages. Overall very easy and simple process.
9 months ago
Nathan
Matt Collinson and his support team are brilliant, second time of using them and both times have been very smooth and simple! They have enabled to to exceed all my expectations the houses I would be able to purchase!
9 months ago
Reece
Very helpful, very efficient. Good service from a good team.
9 months ago
Anonymous
Made the remortgaging process very simple and completely painless! Highly recommend.
10 months ago
Anonymous
My industry generally uses fixed-term contracts and this complicated my situation when looking for my first mortgage. With my broker's help I was able to secure a mortgage and recently completed the purchase of a property. Thanks.
10 months ago
Grayson
smooth process throughtout. great communucation.would highly recommend to anyone looking for a mortgage broker.
10 months ago
Kieran
Helped me through my morgage process with no issues and was always just a phone call away to help me with any questions very great service throughout would highly recommend.
10 months ago
Mr.
Excellent advice given since I first started using their services. Honest and clear.
10 months ago
Chris
Fantastic service, Charlie and the UK Moneyman team went above and beyond to understand our financial situation and help us to get on the property ladder. Everything was patiently and clearly explained to us and we were kept up to date with the...
11 months ago
Anonymous
Excellent and personalised service
1 year ago
Alison
Have been very impressed. Certainly smoothed the whole process. Got a good deal on an atypical mortgage. Got an agreement in principle very quickly.
1 year ago
Start a conversation with our dedicated protection and mortgage advisor in York 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 York 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 York, 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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Yorkmoneyman 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.
© Yorkmoneyman 2009–2026
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Yorkmoneyman 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.
© Yorkmoneyman 2009–2026
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