CRITICAL ILLNESS COVER INSURANCE
Helping to give you financial peace of mind, in harder times.
What is Critical Illness Cover?
Critical illness cover is a type of life insurance policy that offers protection in the event of a serious illness or injury.
Designed to leave you with peace of mind, if you’re diagnosed with an illness that your policy covers, you’ll usually receive a tax-free, one-off payment, that will support the change to your life and alleviate the financial concerns that may come from it.
It may be as simple as paying off your mortgage, covering any loss of earnings, or perhaps making necessary adjustments to your home.
If you have dependents at home, the money from your policy will lighten the financial burden placed on your family.
For insurance business we offer products from a choice of insurers.
There are two types of Critical Illness Cover:
- Additional cover policies can pay out more than once. It will pay out if you are diagnosed with a critical illness and in the event of death.
- Combined cover policies payout 100% in one go, for the chosen cover amount upon diagnosis of a critical illness or at death (not both)
We work for our customers around the clock, and pride ourselves on never leaving you waiting for an answer.
What does Critical Illness Cover?
Critical Illness cover covers any serious illness such as heart attack, cancer or stroke. They also cover a variety of other serious illnesses and conditions as well as some physical disabilities following an injury. The conditions covered vary slightly between providers as well as the severity of the condition that is covered.
Why is it important to consider taking a Critical Illness Cover policy out?
Critical Illness cover is there as a safety net for your finances should you be in a position where you are diagnosed with, or suffer from a critical illness, such as cancer, heart attack, or a stroke **. The impact that a diagnosis of cancer, or from suffering a heart attack or stroke could have on your ability to work, and provide for your family could have long-lasting effects.
Having a Critical Illness policy in place will provide a lump sum to be able to cover any pressing financial commitments and alleviate the financial stress that an event like this could cause allowing you and your family to focus on getting well again.
How much does Critical Illness Cover Cost?
The cost of Critical Illness Cover is dependent on a variety of factors. The main factors that affect the cost are:
- Your age; the younger you take it out the cheaper it is
- Your current health and lifestyle
- Smoking and Alcohol consumption
- Any pre-existing conditions you have/have had
- The amount of cover and the term of the policy
There are two payment types/options when considering a Critical Illness Cover policy
- Guaranteed Premiums – the premium stays the same for the life of the policy. These tend to start off slightly more expensive but as long as the policy is not altered you will always pay the same the premium each month
- Reviewable premiums – these can often be cheaper to start with but are ‘age reviewed’ so in effect the premium increases slowly over time based on your age
See how we’ve helped others
David arranged both our private & rental property mortgages along with other financial matters & made the whole process as straightforward & easy as possible for us.
He was utterly professional & took us step by step through each process taking a huge amount of the stress away from us.
We couldn’t recommend The Mortgage Branch highly enough we are so glad we found you!
Thank you so much!
Alex Carpenter
Miles and the team are incredibly professional and I absolutely love the fact that they plant a tree for every mortgage!
Thank you so much!
Lauren Gilberthorpe
I would recommend The Mortgage Branch to anyone looking to arrange a mortgage, however difficult the circumstances might be.
Thank you so much.
Samantha Scott-White
Highly recommended, very happy customers!
Alex Kulakevich
4 months ago I was stressed out and deflated, now because of The Mortgage Branch they've made us excited again!
Thank you, thank you, thank you!
Jess Lee
My partner and I were looking to buy a new house and we were looking for the right deal that we could get during these uncertain times, were so glad that we contacted The Mortgage branch, Cheltenham who helped us get a great deal!
We dealt with both David and James who both couldn't do enough for us!!
A* for customer service and done with a smile!
Curtis Russell
Excellent service throughout the whole re-mortgage process. I could not have asked for more.
Great to see that the service exceeds expectations!
David Jones
Friendly and very professional. This is just the best place for anyone who needs a mortgage.
A big thank you!
Nuno Pinto
Miles and his team at the mortgage branch are excellent.
They dealt with a re-mortgage for us super efficiently with no drama whatsoever.
A massive thumbs up from us, highly recommend
Adam Lagos
Excellent and very efficient service from Jake, no query too small.
Always available and always more than happy to help.
Highly recommended.
Gary Parrish
David was fundamental in my house purchase.
He went above and beyond what was expected of him. My case was particularly complex however David constantly sought out solutions and contacted other parties when necessary.
Aside from making the process really easy for me, he also found me great products. He is reliable, consistent and we found him very trustworthy.
I highly recommend David.
Az Yi
David did a fantastic job with my Mortgage application.
Being my first mortgage, he was patient and understanding with all my questions, and he even liaised with my accountants directly.
Would recommend!
Emily Chung
Miles and the team at The Mortgage Branch were fantastic, and couldn't have been more helpful through the process.
Thanks!
Jamie Walters
The Mortgage Branch could not have been more professional, helpful and generally pleasant.
Great knowledge and felt very confident and assured throughout.
I am now a homeowner - so thank you very much indeed!
Daniel Davies
An absolutely superb and superior personal service taking the stress and pressure out of the house buying process.
Chris Barry
We've just dealt with Jake Aubertin at The Mortgage Branch and, not only was he an absolute pleasure to deal with, he was able to save us over £10k on our total mortgage repayment! No-fuss, no mess, just honest, helpful advice.
I cannot recommend enough.
Jonny Carr
Having recently re-mortgaged residential and BTL properties through the Mortgage Branch it’s refreshing to find a team who deliver what they promise.
The client really does come first and Miles has worked tirelessly to find the right deals for me which is why I have happily recommended him to a couple of business partners who have also received the same high level of service.
It doesn’t matter how simple or complex the requirement is, Miles and David have the expertise, commitment and customer focus to find the very right deal.
This is such a painless process when you have a professional onboard and I would have no hesitation in recommending them again.
Dave Surgenor