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Secure your health and your finances with Critical Illness Cover - the protection you need to focus on recovery and not on the financial burden of a critical illness.
This type of product is designed to pay out a lump sum upon diagnosis of a specified illness during the term of the policy.
This is different to income protection which pays a set monthly amount until you are able to return to work.
Typically, illnesses such as cancer, multiple sclerosis, heart attack, strokes, blindness and deafness are covered. Think of this as cover for a critical illness, something that would prevent you from working for a long period or even forever. Also, an illness that may require you to modify your home.
It is also possible to get a more comprehensive policy that protects against additional conditions including things like loss of limbs, Parkinson’s Disease, and Alzheimer’s.
The types of illness that are covered depends on the policy. That’s why it is important to not only read the small print but to use a competent Protection Advisor.
When you buy critical illness cover, you will need to provide the insurer with full details of your medical history. Depending on the policy, you may not be covered for any pre-existing medical conditions you have.
This type of insurance pays a lump sum benefit if you suffer a serious illness during the policy term.
We often write this type of policy alongside life insurance. This means our clients and their loved ones are protected should they become critically ill or die.
The pay out from a critical illness policy can be spent however you wish. This could be to clear a mortgage or make modifications to your home.
The premium depends on several factors, mainly your health, age, if you are a smoker and your medical background.
If you would like a free no obligation quote for critical illness cover please speak with one of our Protection Advisors.
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Rated Excellent - 4.8 out of 5 on Trustpilot
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Nicola was absolutely magnificent. She lined up the best mortgage offers based on the deposits I proposed, twice after I pulled out of the house I was initially buying. She kept me up to date and supported me throughout the entire process. Would highly recommend.
The experience as a whole was 10/10, Nicola has made this entire process so easy and painless. She assisted us every single step of the way and I couldn’t be more thankful. I would recommend Hello Mortgage to everyone.
We dealt with Nicola, throughout the process she was attentive, clear and timely with her advice and support. Great personal service.
Nicola was fabulous from start to finish. No question was a silly one and she was always great at getting back to me in a timely fashion. Nicola, 11 out of 10. You were brilliant and I thank you again for all the hard work you put into.
As a first time buyer the thought of going through the whole mortgage application was daunting. From start to finish Nicola was very helpful, keeping me up to date with every bit of the application. 10/10, I couldn’t have done it without Hello Mortgage
Our experience with hello mortgage couldn’t be any better. From our first meeting Nicola was really helpful explaining the whole process in detail (for 2 first time buyers this was great). Nicola kept in touch when needed and helped us a lot.
Having a 'consent to let' on one property and needing another mortgage, we weren't a straight-forward case, however, Nicola went above and beyond to find the best lender for our position, constantly communicating during the process. Would highly recommend!
Would highly recommend Hello Mortgage! 1st time buyers and Nicola went out of her way to ensure we were getting the best mortgage! She went over and beyond, even calling us back from home to discuss the mortgage offer with my partner when he came in from work. We will deffo be back when needed!
They kept me sane through everything. Was responsive, knowledgable and friendly with every query I had. I finally have my house, with the best mortgage rate and help I’ve ever received. If/when I ever move home I’ll be using Hello Mortgage again and I couldn’t recommend them more.
As a first time buyer, I was sometimes confused by the mortgage jargon but Dan explained everything perfectly, so I was always aware of what was happening and felt a real understanding of the process. If you are thinking about using a broker, I would not hesitate to recommend Dan.
Got remortgage in less than 5 weeks. The service from Hello has been outstanding from beginning to end; fast, efficient, mortgage rate, payments much better than expected, knowledgeable, honest advice and flexible appointments are just a few of the reasons I will definitely be using Hello Mortgage again.
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