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Critical Illness Insurance offers a lump-sum payment in the event of significant health issues, such as specific forms of cancer, heart attacks, or strokes. It provides financial support for the diseases outlined in your policy. Keep in mind that not all serious illnesses are covered, and your policy will contain specific details.
As a protection broker in Durham, we tend to find that a claim might be denied if the applicant fails to disclose certain health conditions during the application process. This exclusion does not apply to conditions unknown or absent at the time of application.
If the condition is covered by the policy, the lump sum is paid out, regardless of the ability to return to work. The claimant has full discretion on how to use the lump sum. Many people choose to pay off their mortgage, cover medical expenses, or invest in home improvements.
When seeking protection and protection advice in Durham, it’s essential to consult with a qualified protection specialist before committing to any coverage.
Critical Illness Cover typically has a higher likelihood of claims compared to Life Insurance, which may result in higher costs. Your protection and mortgage advisor in Durham will assist you in finding the most advantageous deal.
It’s important to note that survival rates for the covered conditions have improved significantly over the past 30 years. However, falling ill with these conditions can still lead to financial difficulties, particularly if you have a mortgage, dependents, or significant credit commitments.
Critical illness cover, also known as critical illness insurance or CIC, is a type of insurance policy that provides a lump sum payment if the policyholder is diagnosed with a specific critical illness or medical condition listed in the policy. In Durham, as in other areas, this type of coverage is designed to offer financial protection in the event of serious health issues.
For insurance business we offer products from a range of insurers.
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Amazing help from these guys, we are first time buyers and Warren was our dedicated Morgate advisor and he made the whole process seem easy and straightforward, he went above and beyond to help me and my partner and explained it all in great detail, best of all he was very down to earth and gave it to us strait. Would 100% recommend
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Just wanted to comment on the experience I have had dealing with uk moneyman for my re mortgage. The team have been excellent throughout, special shout out to Stacy Waudby who has been a pleasure to deal with and has really been pro-active and helpful. I would definitely recommend them to anybody looking for independent mortgage advice
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UK Moneyman have helped with my mortgage and remortgage for many years. Always really helpful and knowledgeable. My latest remortgage was done with Conor, who was great at making sure I was getting not just the best deal, but the right deal for my needs.
22 May 2026
Victor Abrams
I found Warren Bailey to be a very helpful and knowledgeable advisor when I discussed with him the potential options for a retirement mortgage . He had contacted me within a day of my seeking an initial conversation with him , and he reassured me there were lenders out there who would consider a mortgage paid out of pension , despite my own bank nort even talking to me as I was over 70 ! Within a couple days Warren had led me through the onboarding process , had explained what documents were needed and had found me a lender suited to my requirements. An excellent experience, and I would recommend him strongly to people looking for a retirement mortgage, and generally . Victor Abrams
15 May 2026
Discuss with a dedicated protection advisor about possible relevant insurances you would like to take or that we can suggest to you.
Your protection advisor in Durham will run through you health background with you, gathering some initial information.
We will build a tailored plan surrounding your current personal and financial circumstances, meeting your available monthly budget.
Our team can search through 1000s of insurance products to find the most suitable one, to protect you and your family.
Once we have found the appropriate product for you and 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.
If you took out your mortgage with us too, we will be back in touch with you at remortgage time. We will also take this time to review any policies you have in place.
Circumstances change and the policies you took out at the start of your mortgage, may no longer be suitable for you at remortgage time.
Here our mortgage broker in Durham all our customers are offered a free, no-obligation protection review which involves speaking to one of our Insurance Advisors in Durham 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 protection advisors in Durham, 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.
Take a look at our fantastic reviews by heading over to our reviews page. You may find that someone has been in a similar situation to you before and we have been able to help.
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.
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Durhammoneyman 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.
© Durhammoneyman 2009–2026
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Durhammoneyman 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.
© Durhammoneyman 2009–2026
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