Critical Illness Cover - The Mortgage Experts

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Critical Illness Cover

At The Mortgage Experts, we understand how devastating a serious health diagnosis can be. That is why we offer expert advice on Critical Illness cover, designed to support you financially when you need it most.

Critical Illness cover provides a tax-free lump sum if you are diagnosed with a qualifying critical illness. This financial support can help you manage unexpected expenses such as medical treatments, home adaptations, ongoing household bills, private healthcare, mortgage or rent payments, and even lost income. It can also offer security for your loved ones during an emotionally and financially challenging time.

This type of protection typically covers major illnesses such as cancer, heart attack, and stroke. Our experienced advisers work with a wide panel of leading insurers to help you find the most suitable Critical Illness policy for your needs.

We are committed to guiding you through the process with clear, professional advice tailored to your personal circumstances.

Whether you are reviewing existing protection or considering your first policy, we are here to help you every step of the way.

For insurance business, we offer products from a carefully selected range of trusted providers.

What is Critical Illness Cover and how does it work?

Critical Illness Cover provides a tax-free lump sum if you’re diagnosed with a specified serious illness. This payment can be used for medical expenses, mortgage payments, or any other financial needs during your recovery.

What illnesses are typically covered under a Critical Illness policy?

Most policies cover major conditions such as cancer, heart attack, and stroke. Coverage can vary by provider, and our advisers will help you choose a policy that suits your personal health concerns and financial goals.

Can the payout be used for anything, or does it have to go towards medical costs?

You can use the lump sum however you wish, whether for private healthcare, home adaptations, ongoing household bills, or to replace lost income.

How do I know which Critical Illness policy is right for me?

Our expert advisers work with a broad panel of trusted insurers to match you with a policy that fits your specific needs, lifestyle, and budget.

Can I still get Critical Illness Cover if I already have a protection plan?

Yes, we can review your existing coverage and advise whether additional Critical Illness Cover is appropriate, ensuring you have the right level of protection.
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