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New Homes Hotline – 01908 870017
01908 597655
New Homes Hotline – 01908 870017
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Home / Protection / Critical Illness Cover Advisor In Milton Keynes
Critical Illness

Critical Illness Cover Advisor In Milton Keynes

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Critical illness cover is an important financial safety net. It’s designed to pay out a cash lump sum if you’re diagnosed with one of the critical illnesses in the individual insurer’s policy. The money paid out can be used in any way you like – to help pay a lump sum off your mortgage, enable you to stop working, or buy private medical care

Critical Illness Cover is designed to pay out in most circumstances including cancer, heart attack and stroke. However, because of advances in medicine not every type of cancer is classed as a critical illness. This is because if the cancer in question is discovered and treated early enough it will not have a severe impact on your lifestyle – for most insurers a cancer needs to have spread or reached a specified severity to be covered. Different providers will offer different levels of cover & we navigate the market to find the best one for you and your families circumstances.

As per Life Assurance, there are two types of cover - Decreasing & Level. As critical illness insurance advisors, we can go through the differences between the two types of cover with you and bespoke to your budget advise the best one which is for you.

Types of Cover
Increasing Cover
Decreasing Cover
Mortgagelight Protection, Life Assurance

Helps protect your cover against the effects of inflation, giving added protection for you and your loved ones.

Mortgagelight Protection, Life Assurance

Helps to pay off debt that's reducing over time, like a mortgage.

Mortgagelight Protection Life Assurance
  • Amount paid out in a lump sum
  • Helps protect against the future effects of inflation
  • Your cover increases each year in line with any increase in the Consumer Prices Index (CPI)
  • If your cover increases, your premium will increase at a higher percentage rate
Mortgagelight Protection, Life Assurance
  • Cover amount decreases each month broadly in line with a repayment loan using a fixed interest rate
  • Premiums calculated when you take out the policy, and stay the same for the duration of the policy term

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Protection

  • Home Insurance
  • Life Assurance
  • Critical Illness Protection
  • Income protection
  • Business Protection
  • PMI (Private Medical Insurance)

For a Free Consultation On Will Writing, please fill out this form and we will get in touch with you shortly

Contact Us

We would love to hear from you! Please fill out this form and we will get in touch with you shortly.
  • We take your privacy seriously, we do not share contact information or send marketing without your permission. Our Policy

  • This field is for validation purposes and should be left unchanged.

Mortgage Light Head Office

1 Whittle Court,
Knowlhill,
Milton Keynes,
MK5 8FT

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Free Initial Consultation

All of our brokers deal with the whole of the mortgage market. It doesn’t matter what the question or when you want to speak to us, we have brokers available on the phone or face to face seven days a week. Whether you are just thinking of buying a home and have no idea where to start, a seasoned investor or someone looking to better your current mortgage product, we are happy to help andchat over ideas free of charge.

So we can give you plain and simple advice we will run through some basic questions to help us tailor products to suit your needs. Upon us taking your application forward we will write to inform you that we have given you advice and give you a Key Facts Illustration breaking down the important elements of the product and the fees involved.

For us to take your application forward to a lender we charge an upfront administration fee of £349. For our returning customers looking to renew their mortgage product this fee reduces to £199. We also receive commission from the lender.

A fee of £349 is payable on application of the mortgage. We will receive commission from the lender in addition to the fees you pay. Your home may be repossessed if you do not keep up repayments on your mortgage. You may have to pay an early repayment charge to your existing lender if you remortgage. As with all insurance policies, conditions and exclusions will apply.
Covering Milton Keynes.

Registered Office: Mortgage Light Ltd Church View Chambers, 38 Market Square, Toddington, Dunstable LU5 6BS. Registered Company Number: 8184773. Registered in England & Wales.

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