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Critical Illness Insurance offers a lump sum payment upon the occurrence of major health events, such as specific cancers, heart attacks, or strokes. It acts as a financial safety net for specified diseases, but coverage varies, so refer to your policy for details. If a covered illness occurs, the insured receives the lump sum regardless of work status. The claimant can use the payout freely, whether for mortgage payment, medical expenses, or home modifications.
Illness can lead to financial challenges, especially with a mortgage, children, or significant credit commitments. For any advice in Lincoln, consult a qualified mortgage and protection specialist before obtaining coverage. Critical Illness Cover may have higher claim likelihood than Life Insurance, making it potentially more expensive. Your protection and mortgage advisor in Lincoln will help you find the most favourable deal.
A denied claim can result from not disclosing specific health conditions during the application, except for those unknown or absent at the time of application.
The lump sum is paid out if the condition is covered in the policy, irrespective of the ability to return to work.
Claimants have full discretion on how to use the lump sum. As a mortgage broker in Lincoln, we often observe individuals using it to repay mortgages, cover medical expenses, or enhance their homes.
For insurance business we offer products from a range of insurers.
Our Customers Love Us
41 5 Star Reviews
Helen Morris
Needed a bridging loan for my dad to relocate quickly. He's 89. Conor was very patient and helpful getting us the best deal. He went through the requirements and the deal in detail with dad. Very good paperwork as well. We had quite a few hoops to jump through due to dad's age once the deal was agreed but we managed it with the support of Paula and the team. Thank you all
7 Oct 2026
David Steward
Warren Bailey has been superb in dealing with our upcoming house move. He has helped us understand our options and has helped secure a mortgage for our dream house. He has also helped us to understand our protection options and secure great quotes to ensure me and my family are protected should anything happen.
1 Oct 2026
Julia Rattigan
Very supportive and helpful throughout the whole process
22 Aug 2026
Roy Jackson
Found Lincolnmoneyman via a google search. Needed to explore a few options quickly. Conor dealt with us via teams - easy to talk to, took the time to find out what we needed and explained the process. Everything appears to be moving forward with no hidden suprises. Paula and Jo now dealing with us - again really easy to talk to and understand. Very helpful. So would recommend
6 Aug 2026
Sharon Collins
Great service and support - got us just what we needed thanks
6 Jul 2026
Angela Baufeldt
We used UK money man for the purchase of our new home in Lincoln. Chris Wardill was our advisor and he was excellent all the way through the process. It was quite a stressful purchase from our side but Chris was used to the various hurdles and we felt he went the extra mile to get us the best deal for our circumstances. Overall we would certainly recommend Chris and UK money man to any other clients.
1 May 2026
michelle winters
Really great service and advice given. From my first phone call with Matt and the rest of the team my mortgage offer was made and complete within 2 weeks, excellent and would certainly recommend.
20 Aug 2025
Laura McGregor
Malcom made the process of applying for my first mortgage really quick and stress free. The team were able to break down any unknown vocab in a patient and kind manner and made sure that I understood every part of the process. Such good service!
29 Apr 2025
alan thomas
Excellent professional and helpful advice Fuss free service. We would highly recommend Connor for your mortgage!!
31 Jul 2023
Rhiannon Willis
Made remortgaging really quick and easy. Found me a good deal and helped fulfil my requests.
31 May 2023
A member of our team will gather initial information by discussing your health background with you. You can discuss the relevant insurances you may consider or receive recommendations tailored to your needs.
We will build a tailored plan surrounding your current personal and financial circumstances, meeting your available monthly budget. Our team can find the most suitable insurance product, to protect you and your family.
If 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.
We understand that circumstances can change, and the policies you initially took out when you started your mortgage may no longer be the most suitable fit for you at the time of remortgaging.
We provide expert mortgage advice in Lincoln, to all our customers are offered a free initial insurance review which involves speaking to one of our mortgage and protection insurance in Lincoln, 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 mortgage and protection advisors in Lincoln, 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.
You may find that someone has been in a similar situation to you before and we have been able to help. Worry not, our fantastic service is reflected in our 5-star reviewse.
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. Were open seven days a week and have appointment avaliable during evenings and weekends.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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Lincolnmoneyman 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.
© Lincolnmoneyman 2009–2026
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Lincolnmoneyman 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.
© Lincolnmoneyman 2009–2026
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