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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.
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Hind
Leo Shakespeare and the admin team from LincolnMoneyman were excellent in securing a mortgage offer for us. I could not recommend them enough. Leo was always punctual with his telephone appointments and never rushed; he took the time to fully...
Gemma
Excellent support, proactive throughout and worked hard to get us the best possible deal. Would definitely recommend.
Ross
Excellent service from Malcolm and the team, they helped us secure a mortgage deal on our dream home.
Mr Graham
Thank you to Lincoln Moneyman. They were very helpful and gave excellent advice at every part of the process.
Stuart
Made transferring my mortgage to a new deal so easy
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...
William
Great service! Always making remortgage easy while walking me though all of my options in detail.
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!
Tristan
They have taken on all I could not and more. Very thankful
Samantha
Excellent service, always available when required and made the process hassle free.
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.
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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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