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Critical Illness Cover in Essex is a form of insurance that provides a tax-free lump sum if you are diagnosed with a serious illness listed in your policy.
It can help cover mortgage payments, household bills, and medical expenses during a challenging time. It’s wise to speak to a mortgage broker in Essex for more tailored advice on integrating this cover into your mortgage plan.
Critical Illness Cover works by paying out a one-time sum if you are diagnosed with a specific illness defined in your policy. In Essex, you can choose the level of cover you need and the term it will last, typically aligning with the duration of your mortgage. Speaking with one of our expert mortgage advisors in Essex can help you select the right cover to ensure your family is financially secure in case of such an event.
Each policy can vary depending on individual needs, so it’s essential to check what illnesses are included. Commonly covered illnesses in Essex can include:
For a more comprehensive advice, seek mortgage advice in Essex to explore the most suitable policy suited for your needs.
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.
While Critical Illness Cover isn’t a legal requirement, it can provide a financial safety net if you’re diagnosed with a serious illness. If you have a mortgage, especially in Essex’s competitive market, having this cover ensures you can continue to meet your payments. Speaking to a mortgage broker in Essex can help you decide if this cover suits your personal circumstances.
Critical Illness Cover in Essex pays out a lump sum if you’re diagnosed with a specified illness during the policy term. In contrast, Life Insurance provides a payout to your beneficiaries if you pass away. If you’re unsure which is more suitable for your situation, mortgage advisors in Essex can offer tailored advice based on your mortgage and family needs.
The amount of cover you need will depend on your mortgage size, living expenses, and family needs. For tailored advice, it’s best to seek mortgage advice in Essex, where an advisor can review your situation and recommend an appropriate level of cover to protect your home and loved ones.
Yes, many people choose to add Critical Illness Cover when arranging their mortgage. It’s often easier to set up this cover through a mortgage broker in Essex, who can work with various lenders to find the right policy for your specific needs.
The cost of Critical Illness Cover depends on factors like age, health, lifestyle, and the amount of cover you need. One of our expert mortgage advisors in Essex can compare policies from different providers, ensuring you get the most suitable cover for your budget and mortgage commitments.
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I cannot praise this team enough, they have been amazing. Especially Tom who went above and beyond to sort out my really complex mortgage and get me a deal which meant I could move to my new house. I would thoroughly recommend Essexmoneyman, they...
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I cannot praise this team enough, they have been amazing. Especially Tom who went above and beyond to sort out my really complex mortgage and get me a deal which meant I could move to my new house. I would thoroughly recommend Essexmoneyman, they...
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We shopped around trying to find the most suitable deal, should have come straight to Essexmoneyman, Nathan and Laura found me a perfect mortgage. When we had picked our product, they were speedy in ensuring they processed our applications quickly...
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We shopped around trying to find the best deal, should have come straight to Essexmoneyman, Nathan and Laura found me a perfect mortgage. When we had picked our product, they were speedy in ensuring they processed our applications quickly and taking...
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Matt and anna made the whole process super easy during the pandemic. as first time buyers we were worried but they made sure we were able to enjoy our first home together. thank you !!
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We offer a free initial insurance review to assess your current coverage and identify any gaps that might leave you unprotected. Our mortgage advisors in Essex will take the time to understand your circumstances and provide tailored advice, ensuring you have the right level of cover in place for peace of mind.
Finding the right insurance product can be overwhelming. Our team of experienced mortgage brokers in Essex will explore various options, taking into account your individual needs and budget, to find the most suitable policy that suits your lifestyle and mortgage requirements.
Once you’ve chosen the right insurance product, we take care of submitting your application. Our mortgage advisors in Essex handle the paperwork and liaise with insurers on your behalf, ensuring a smooth and hassle-free process from start to finish.
We believe in keeping you informed at every stage of your insurance journey. Our team will provide regular updates, so you know exactly where you stand, offering ongoing support and advice whenever you need it.
We offer a free, no-obligation mortgage and protection review to understand your needs and find the most suitable solutions for your situation. Our mortgage advisors in Essex will provide tailored advice, ensuring you have the right mortgage and insurance in place.
With access to a vast panel of lenders, we search the market to find you the most suitable mortgage and insurance products. Our mortgage brokers in Essex are dedicated to securing the most suitable deals, saving you both time and money.
Our service is built around your needs. From initial advice to application submission, we handle every step of the process with care and expertise. Whether it’s mortgage advice in Essex or finding the right protection product, we’re here to make your journey as smooth as possible.
We’re here for you 7 days a week, offering flexible appointment times to fit around your schedule. Our commitment to customer service means you can access expert mortgage advice in Essex whenever you need it.
Your age plays a significant role in determining the cost of your cover. Generally, the younger you are when you take out a policy, the lower your premiums will be. This is because the risk of developing a critical illness increases with age.
Insurance providers will assess your current health status, including any pre-existing medical conditions. A clean bill of health can result in lower premiums, while conditions like high blood pressure or diabetes might increase the cost.
The amount of cover you choose impacts the price. A higher coverage amount offers more financial support but will come with higher premiums. Seeking mortgage advice in Essex can help you determine the right amount based on your mortgage and family needs.
The length of your policy term is another factor. If you opt for a longer term to match your mortgage duration, your premiums may be higher than for a shorter-term policy.
Some occupations are deemed riskier than others. If you work in a job that involves physical labour or hazardous environments, this might increase the cost of your Critical Illness Cover in Essex.
Your lifestyle choices, such as smoking or drinking, can affect your premium. Healthy habits usually result in more favourable rates, while higher-risk behaviours may lead to increased costs.
Insurers often consider your family’s medical history. If there is a history of critical illnesses like cancer or heart disease, this could influence the price of your cover.
Additional features, such as including children’s critical illness cover or opting for a waiver of premium, can also impact the overall cost. A mortgage broker in Essex can help you navigate these options to find the right policy at a competitive price.
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Essexmoneyman 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.
© Essexmoneyman 2025.
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Essexmoneyman 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.
© Essexmoneyman 2025.
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