Critical Illness Cover

Critical illness cover is a type of insurance which pays out a lump upon diagnosis of a specified illness during the term of the policy. It’s designed to provide you with financial protection if you suffer a serious illness.

How does critical illness insurance work?

A critical illness could happen to any one of us. Critical illness cover could help to minimise the financial impact you and your loved ones, should you fall ill. It could pay out a cash sum if you’re diagnosed with, or undergo a medical procedure.

For example, the money could be used to help fund your mortgage, rent or every day bills should you have to give up work to recover. It helps to give you and your family some peace of mind when you need it most.

As a professional mortgage broker in Essex, I can look at all relevant policies on offer and advise you on the best suited one. The costs will vary from person to person, and will be calculated by age, sex, health, job and hobbies and lifestyle habits.

Critical illness cover for your mortgage

If you already have a mortgage, the chances are you have already taken out a mortgage life insurance policy; it’s something which may be required by lenders before they will grant you your loan.

Adding critical illness cover for your mortgage strengthens the level of protection for the lender, in the event of falling seriously ill and unable to pay for an existing mortgage.


What is covered on a critical illness policy?

The number and variety of conditions will differ widely on policies, but the seven-core condition that tend to be covered by critical illness policies are:
• Cancer
• Coronary artery bypass
• Heart attack
• Kidney failure
• Major organ transplant
• Multiple sclerosis
• Stroke

What do I need to get a quote?

In order to receive critical illness cover, you will need to supply us with details of your medical history. This will help prospective insurers to determine whether you are eligible for cover or not. You will need to provide important details of any previous conditions so that insurers can amend/cancel the policy or refuse to pay out a claim if you fail to mention your full medical history.

You will also need to consider which illnesses are covered, the length of cover and the level of cover.

How Dan The Mortgage Man can help

We will search the entire critical illness market on your behalf to help you find the right policy to suit your needs at the right price. We will provide critical illness advice and compare lots of quotes to help you find the best possible deal.

Get in touch with us today

We’ll use our extensive knowledge and experience to find you the best possible form of critical illness cover. Get in touch with Dan The Mortgage Man today so we can help and advise you. Call the team on 07837 820 894 or email

We have access to a wide range of lenders

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