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Critical Illness Insurance provides a one-time lump sum payment in the event of major health occurrences, such as specific cancers, heart attacks, or strokes. This insurance serves as a financial safeguard for designated diseases, though coverage details may differ, so it’s advisable to consult your policy for specific information.
In case of a covered illness, the insured receives the lump sum irrespective of their work status. The recipient has the flexibility to use the payout for various purposes, including mortgage payments, medical expenses, or home modifications.
Facing illness can pose financial difficulties, particularly when dealing with a mortgage, dependent children, or substantial credit commitments. If you’re seeking guidance in Harrogate, it’s recommended to seek advice from a qualified mortgage and protection specialist before securing coverage.
Critical Illness Cover might carry a higher likelihood of claims compared to Life Insurance, potentially resulting in higher costs. Your protection and mortgage advisor in Harrogate will assist you in identifying the most advantageous and suitable deal for your circumstances.
Failure to disclose certain health conditions during the application process can lead to a denied claim, except for those conditions that were unknown or absent at the time of application.
The lump sum is disbursed if the covered condition is present, regardless of the individual’s ability to return to work.
Claimants have complete freedom in deciding how to use the lump sum. In our role as a mortgage broker in Harrogate, we frequently witness individuals using it to settle mortgages, address medical expenses, or improve their homes.
For insurance business we offer products from a range of insurers.
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196 5 Star Reviews
Alex Campbell
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
15 Jul 2026
Steve Taylor
Excellent Customer Service from initially Dan who arranged our Lifetime Mortgage. The members of the Admin Team were always friendly and helpful. Special mention to Kerry Bewell for her willingness, post-completion, to help when needed. I would definitely recommend UK Moneyman to others.
6 Jul 2026
Dan
Couldn't recommend more! Conor's service was excellent from start to finish and make the process as easy and smooth as possible especially since we didn't even know where to start.
6 Jul 2026
Eva Elliott
We used money man to help us find a mortgage for our first house nearly 7 years ago. They were brilliant at helping us navigate as self employed people. We are just about to use them for our next house!
1 Jul 2026
Rob Shireby
Chris, Ami and Malcolm are all great people, very good experience.
24 Jun 2026
keith mantle
UKmoneyman helped us to obtain a mortgage.. They are a professional and helpful companywho we would reccomend to anyone seeking a mortgage Regards, Keith & Sandra Mantle
12 Jun 2026
Adam Bateman
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
9 Jun 2026
amber sheridan
Ami has been great. She explained everything clearly and answered all of our questions (silly or not). Communication was great, genuinely couldn't recommend this service or our advisor Ami more.
28 May 2026
Keith Hirst
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
Our team member will initiate the process by discussing your health history with you, gathering initial information. During this conversation, you have the opportunity to explore relevant insurance options or receive expert recommendations based on your requirements.
Following that, we will craft a plan taking into account your current personal and financial situation, aligning with your monthly budget constraints. Our dedicated team will identify the most suitable insurance product to provide comprehensive protection for you and your family.
Upon your approval to proceed, we will promptly submit your application to the insurance provider. Occasionally, the provider may request additional information before considering the application.
We acknowledge that circumstances evolve, and the insurance policies you initially secured when obtaining your mortgage may no longer be optimal during the remortgaging process.
We provide expert mortgage advice in Harrogate, to all our customers are offered a free initial insurance review which involves speaking to one of our mortgage and protection insurance in Harrogate, 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 mortgage and protection advisors in Harrogate, 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.
You may find that someone has been in a similar situation to you before and we have been able to help. Worry not, our fantastic service is reflected in our 5-star reviewse.
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. Were open seven days a week and have appointment avaliable during evenings and weekends.
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Harrogatemoneyman 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.
© Harrogatemoneyman 2009–2026
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Harrogatemoneyman 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.
© Harrogatemoneyman 2009–2026
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