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Critical illness cover provides a tax-free lump sum if you are diagnosed with a serious illness listed in your policy, such as cancer or heart disease. This payment can help you manage financial commitments, such as your mortgage or medical costs, during your treatment and recovery.
If you’re considering getting critical illness cover, it’s a good idea to talk to one of our protection & mortgage advisors in Bristol. They can help you figure out which type of cover is best for you, based on your needs and circumstances.
Critical illness cover can be a valuable safety net if you’re concerned about how you’d manage financially during a serious illness. If you don’t have sufficient savings or support, it can help cover your mortgage payments, living expenses, or medical bills, easing financial stress while you focus on recovery.
If you need assistance with Critical Illness Cover or need to speak to a mortgage broker in Bristol, we are available to provide comprehensive answers to all your insurance inquiries. Seeking advice before selecting an insurance product can help you identify the most suitable option based on your individual circumstances.
Speaking with a mortgage and protection advisor in Bristol ensures you get tailored advice for your unique financial situation. We can help you find the most suitable mortgage deals from a wide range of lenders and guide you through choosing protection options, like critical illness cover, to safeguard your home and finances.
Critical illness cover is a type of insurance that provides a tax-free lump sum if you’re diagnosed with a serious illness, such as cancer or a heart attack, which is listed in the policy. This payout can be used to cover major financial commitments like your mortgage, living costs, or medical expenses.
Critical illness cover works by paying out a lump sum when you’re diagnosed with one of the illnesses covered by the policy. Once your claim is approved, the money can be used for any purpose, such as paying off your mortgage, medical bills, or even adapting your home to suit new health needs.
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Adam
Worth their weight in gold. Helped navigate a complex mortgage enquiry, we would have fallen at the first hurdle if we were applying on our own. Excellent response times and always kept us informed. Was on the fence about going with a broker at all...
10 months ago
James
Malcolm and his team are so helpful, from the first call I had to discuss options all the way to getting my mortgage offer today. Any query I've had they answered immediately and offered to talk through my options, my case worker Lizzi was...
11 months ago
Jessica
Very responsive even in late evenings! Answered all of the questions that I had, explained the whole process through out and made the house buying process so much easier!
2 years ago
Anonymous
Helen was lovely to chat with, she booked me in for an appointment with a broker within minutes of me sending an email enquiry on a Sunday and explained everything about the process really well.
2 years ago
Eamonn
Spoke to several Mortgage Brokers about my situation and having talked to Malcolm, he fully understood my views and gave me his honest opinion. A very professional, friendly, and efficient service that enabled us to the best mortgage on the market.
4 years ago
Speaking with a dedicated protection advisor in Bristol to explore relevant insurance options that you are interested in or that we can suggest to you. Your protection advisor in Bristol will discuss your health history with you, gathering initial information.
We will create a plan based on your current personal and financial circumstances, taking into account your available monthly budget. Our team has access to a wide range of insurance products, allowing us to find the most suitable one to safeguard you and your family.
Once we identify the appropriate product for you and you are satisfied with it, we will proceed by submitting your application to the provider. Occasionally, the policy provider may request additional information from us before considering the application.
If you also obtained your mortgage through us, we will reach out to you when it's time to remortgage. During this time, we will also review any policies you currently have in place. Circumstances change over time, and the policies you initially acquired with your mortgage may no longer be suitable when remortgaging.
During your appointment, you'll have the opportunity to speak with one of our knowledgeable Protection Specialists in Bristol. They will present a variety of policies tailored to your unique circumstances, ensuring they are beneficial for you and your family.
When seeking protection advice in Bristol, Critical Illness Cover can be an excellent choice. Regardless of the available coverage options, it offers significant benefits and peace of mind, knowing that your family will have financial stability to cover any outstanding debts or expenses.
Our dedicated team aim to provide you with the most suitable possible policy, acting as a financial safety net for your family in the unfortunate event of your passing. Opting for Insurance options in Bristol will help alleviate any financial burdens your loved ones may face during such a challenging time.
As a mortgage broker in Bristol, we tend to find that many of our customers choose to take out their Critical Illness Cover with other policies, depending on their individual needs and circumstances.
While life insurance provides financial support to your loved ones after you pass away, critical illness cover protects you if you’re diagnosed with a serious illness. It pays out while you’re still alive, helping you manage medical bills, mortgage payments, or other living costs, ensuring financial security during recovery.
Yes, you can take out a joint critical illness policy that covers both you and your partner. The policy typically pays out once if either of you is diagnosed with a critical illness, providing financial protection for your household during a challenging time.
Critical illness cover pays a one-off lump sum if you’re diagnosed with a serious illness, while income protection replaces a portion of your income if you can’t work due to illness or injury. Income protection typically provides ongoing monthly payments until you can return to work, offering long-term support.
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Bristolmoneyman.com & Bristolmoneyman 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: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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Bristolmoneyman.com & Bristolmoneyman 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: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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