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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.
Our Customers Love Us
215 5 Star Reviews
Joseph Harros
As first-time buyers, we had very little knowledge of the mortgage process and found it quite daunting, especially with rising interest rates and uncertainty in the property market. We’re extremely grateful to Dinah and Jo for their support and would highly recommend UK Moneyman to any first-time buyer looking for a professional, knowledgeable and supportive mortgage broker.
29 Oct 2026
Jade Wilmot
As first-time buyers, we had very little knowledge of the mortgage process. We changed properties along the way, and our circumstances made the mortgage process more complex than we initially expected. Dinah and Jo were absolutely brilliant throughout. We would definitely recommend UK Moneyman to anyone looking to set up a mortgage.
29 Oct 2026
Diane A
First class service. Jason and Lizzie helped me immensely getting a good mortgage quickly when I found myself separated. They pulled out all the stops and even spoke to me after hours. Excellent and would highly recommend. I can’t thank them enough. I now have my dream home
28 Oct 2026
Chloe Gathergood
Paula and Jason have been so helpful in getting our first mortgage sorted. They were quick to answer any questions and very helpful with their advice. Thank you very much
23 Oct 2026
Rebecca Joy
Leo and Lizzi were exceptionally helpful. Leo gave us great advise, not just on products available, but on things like bidding on properties, whether we were likely to be approved for more complicated properties etc. Lizzi was very communicative and thorough in processing our application, and after our first sale fell through we didn't hesitate to use UK Moneyman again. Thanks so much to Leo and Lizzi!
15 Oct 2026
Callum Kennedy
Very helpful and informative. Made the process as easy as possible. Would recommend to other
14 Oct 2026
Barry Hall
I had a financial issue that I thought was pretty unique to myself. The help and solution to my financial question has been exceptional in every step of the way. A big thank you to Warren and Joe for all of your patience and technical expertise.
14 Oct 2026
Megan Whitlock
The team working with my profile were amazing, I was in constant communication with them, if I emailed and rang someone responded quickly and they were able to secure my mortgage within 6 weeks from my initial meeting which saved me a lot of messing around and stress. Great service thank you
14 Oct 2026
Linda Chadwick
Amazing company very helpful and patient fantastic staff at the Hull branch nothings to much trouble sorted me a morgage out quickly and efficient i would recommend them 100%
14 Oct 2026
Natalie Rose
We’ve had Elaine Tiernan as our mortgage advisor and she has helped us out so much in the process of being approved with our first mortgage. From working around our working hours to arrange phone calls and online teams meetings to being prompt to respond to our enquiries. Elaine has been nothing but helpful, professional and supportive in our journey this far and we are very grateful to have had her as our mortgage advisor. Thank you to Paula aswell for always checking up on us and ensuring the process was as smooth as possible. Natalie and Liam
13 Oct 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.
Our Home Buying App is a digital mortgage coach designed to help you save up, plan, and track your home buying journey – whether you’re buying your first home, or fancy a move.
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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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