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When you take out critical illness cover, you’re insured against specific conditions listed in the policy. If you are diagnosed with one of these, your insurer will provide a one-off payment, which can be used to cover expenses such as living costs, medical bills, or even paying off your mortgage.
If you’re considering getting critical illness cover, it’s a good idea to talk to one of our protection & mortgage advisors in Cardiff. They can help you figure out which type of cover is best for you, based on your needs and circumstances.
If your employer doesn’t provide sufficient sick pay, or if you’re self-employed, critical illness cover may be worth considering. It ensures that you receive a lump sum if you’re diagnosed with a severe illness, which can be vital for maintaining your lifestyle and managing large financial commitments.
If you need assistance with Critical Illness Cover or need to speak to a mortgage broker in Cardiff, we are available to provide comprehensive answers to all your insurance inquiries. Seeking advice before selecting an insurance product can help you identify the most suitable option based on your individual circumstances.
A mortgage and protection advisor in Cardiff offers expert insight, especially if your situation is more complex, such as being self-employed or having adverse credit. They’ll handle the paperwork, explain the mortgage process clearly, and help ensure you have the right cover in place to protect you and your family.
It’s an insurance policy designed to support you financially if you face a severe illness. The cover ensures that if you suffer from a specified medical condition, you receive a lump sum payment, giving you peace of mind during recovery.
After taking out a critical illness policy, if you’re diagnosed with a serious condition listed in the policy, listed in the policy, you’ll receive a one-off, tax-free payment. This financial support helps cover ongoing expenses during your illness, like household bills or debts.
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5.00 Rating14 Reviews
John
Wayne was great throughout whole process of buying our first home, he gave us great confidence and simplified the whole process for us. Would defintiely recommend.
2 months ago
Jack
Matt, Jo and all those involved have been excellent it helping me and my partner navigate the mortgage process. Their guidance have been invaluable and without the support we would have really struggled. Would highly recommend.
3 months ago
Anonymous
Brilliant service. Quick response to any questions we had and explained everything clearly. Kept the process moving for us which was greatly appreciated. Thanks!!
3 months ago
Justine
As a first time buyer and someone who doesnt know much about the process, Malcolm and the team were very informative and helpful during the entire process. We were allowed to ask a list of questions about our blind-spots to do with taking on a...
4 months ago
Matthew
Can’t thank Cardiffmoneyman enough in helping me buy my first home. Leo my appointed advisor has been monumental in getting me the best deal and explaining the whole process and making it as easy as possible in what would be a stressful time. Also...
4 months ago
Elizabeth
Excellent service . Dan explained equity release clearly and ensured I got the best interest rate.
7 months ago
Owain
Cardiffmoneyman have been fantastic at guiding me through the home buying process. Great and friendly communication with excellent pacing on the amount of information presented at once. Truly helped simplify the home buying process.
10 months ago
Charleigh
Very efficient, communication was excellant, and really helped as first time buyers advising the steps as we went!
1 year ago
Daniel
Matt has been brilliant throughout the whole process, very knowledgeable and helpful. The process has been smooth throughout. The application was submitted on Wednesday and the mortgage offer was approved by Friday! Talk about that for service.
1 year ago
Jane
I recently had the pleasure of working with UK Moneyman, and I couldn't be more impressed with the level of professionalism and care that they provided me. As someone with a poor credit rating at the age of 60, I never thought it would be possible...
1 year ago
Josh
Leanne was very friendly, build up an instance rapport and helped me with my all questions prior to my meeting with another Advisor tomorrow. Thank you Leanne for your help. Josh 😀
2 years ago
Thomas
Cardiffmoneyman has been perfect for us as First Time Buyers. Charlie & Leo were both great at sorting everything out for us promptly and explaining things clearly. Everyone we’ve spoken has been super friendly and helpful. We’re very grateful...
4 years ago
Stacie
We were recommended to use Cardiffmoneyman, by friends who used them looking to remortgage. They were fantastic. From start to finish, we were kept informed throughout the entire process, and their working hours were handy, as I and my husband both...
4 years ago
Emma
Jason was great! Being self employed I thought I would never get a mortgage, but here we are and im happily moving into my new home. Couldn't have done this without you and your team, thank you!
4 years ago
Speaking with a dedicated protection advisor in Cardiff to explore relevant insurance options that you are interested in or that we can suggest to you. Your protection advisor in Cardiff will discuss your health history with you, gathering initial information.
We will create a plan based on your current personal and financial circumstances, taking into account your available monthly budget. Our team has access to a wide range of insurance products, allowing us to find the most suitable one to safeguard you and your family.
Once we identify the appropriate product for you and you are satisfied with it, we will proceed by submitting your application to the provider. Occasionally, the policy provider may request additional information from us before considering the application.
If you also obtained your mortgage through us, we will reach out to you when it's time to remortgage. During this time, we will also review any policies you currently have in place. Circumstances change over time, and the policies you initially acquired with your mortgage may no longer be suitable when remortgaging.
During your appointment, you'll have the opportunity to speak with one of our knowledgeable Protection Specialists in Cardiff. They will present a variety of policies tailored to your unique circumstances, ensuring they are beneficial for you and your family.
When seeking protection advice in Cardiff, Critical Illness Cover can be an excellent choice. Regardless of the available coverage options, it offers significant benefits and peace of mind, knowing that your family will have financial stability to cover any outstanding debts or expenses.
Our dedicated team aim to provide you with the most suitable possible policy, acting as a financial safety net for your family in the unfortunate event of your passing. Opting for Insurance options in Cardiff will help alleviate any financial burdens your loved ones may face during such a challenging time.
As a mortgage broker in Cardiff, we tend to find that many of our customers choose to take out their Critical Illness Cover with other policies, depending on their individual needs and circumstances.
Life insurance only pays out upon death, whereas critical illness cover provides a lump sum if you survive a major illness. This means you’ll have funds available to cover expenses like rehabilitation, household bills, or even adapting your home, giving you peace of mind if your health suddenly declines.
You can buy critical illness cover for both you and your partner under a joint policy. In most cases, this type of policy will pay out once when either of you is diagnosed with a serious illness, offering financial support to help with living costs or medical care.
The key difference is that critical illness cover provides a single payment if you are diagnosed with a covered condition, whereas income protection gives you regular payments if you’re unable to work. Income protection can continue until you return to work or retire, making it a more flexible solution for long-term income needs.
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Cardiffmoneyman.com & Cardiffmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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Cardiffmoneyman.com & Cardiffmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 10 Consort Court, Hull, HU9 1PU.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk
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