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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.
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.
Our Customers Love Us
4.98 Rating116 Reviews
Gemma
Excellent support, proactive throughout and worked hard to get us the best possible deal. Would definitely recommend.
4 months ago
Ross
Excellent service from Malcolm and the team, they helped us secure a mortgage deal on our dream home.
6 months ago
Mr Graham
Thank you to Lincoln Moneyman. They were very helpful and gave excellent advice at every part of the process.
7 months ago
Stuart
Made transferring my mortgage to a new deal so easy
9 months ago
Kirsty
Really helpful as a first time buyer for advice and guidance. Jason helped me every step of the process and gave me a clear idea of what to expect. Jo was also very quick to get my final mortgage approval sorted, so I can only recommend Lincoln...
10 months ago
William
Great service! Always making remortgage easy while walking me though all of my options in detail.
10 months ago
Alwyn
The service was excellent. Everything was explained clearly and all efforts made to find me the best deal. Friendly and great communication throughout. Thank-you for the help!
10 months ago
Tristan
They have taken on all I could not and more. Very thankful
11 months ago
Samantha
Excellent service, always available when required and made the process hassle free.
1 year ago
Thomas
All of the members of the team I spoke to including Jason and Stacey were fantastic. They answered all my questions and provide support where needed. I would definitely recommend
1 year ago
Anonymous
We reached out to just see where we stood in regards to our borrowing limit and we’ve come out the other end with a mortgage offer and we are going down the route of getting out own home! This never would have been possible without the help of...
1 year ago
Mr Jamie
Daniel was very friendly, knowledgeable and explained everything to us in enough detail without being overwhelming. He gave gentle reminders for things that we had forgotten to do and got us a very good deal for our remortgage. Would highly...
1 year ago
Anonymous
We had a great experience arranging a remortgage with Dinah and Paula. Our situation was a little complicated, but we received very practical advice and they assisted us right through the process. It was all very straightforward in the end. Thank...
1 year ago
Anonymous
Excellent service. Jason has been very helpful and encouraging every step of the way, especially considering our complex circumstances. Easy to set up video calls to discuss matters and email communication has been very quick, detailed and achieved...
1 year ago
Charlotte
Charlie has been nothing but helpful, answers all questions thrown at him, takes the time to explain what everything means which has been hugely helpful as a first time buyer! It’s been a really quick and smooth process from the rest of the team...
2 years ago
Anonymous
Jason and Megan were absolutely brilliant! Both helping me through the entire process.
2 years ago
Hope
Matt & Paula have been so great and efficient in supporting us as first time buyers. Not once did we feel overwhelmed during the process which is great given that we came into this not knowing what to expect. Everything has been quick and efficient,...
2 years ago
Thomas
Matt was incredibly honest and helpful throughout the process even though he was aware I was speaking to a variety of advisors at my point of contact. His knowledge, responsiveness, and willingness to discuss options available to me, made him the...
2 years ago
Hannah
Matt and Stacey were really helpful in sorting our remortgage out. Matt was quick to get back to us when we had questions and Stacey was always on hand as support
2 years ago
Alexander
Dinah has always been available and communicated any changes or good advice we needed. We really appreciate your support
2 years ago
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.
Read our 116 Reviews
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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