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Critical Illness Insurance is used in a lump sum when a large health event such as certain forms of cancer, heart attack, or a stroke occurs. It provides a financial blanket if you get sick from any of the diseases listed in the policy. Not all serious illnesses are covered in every policy, however, your policy terms will have more information on this.
Sometimes a claim may be rejected because the applicant does not disclose certain health conditions at the time of application. This does not apply to conditions that you did not know or were not present at the time of application.
If the condition is mentioned in the policy, the lump sum is paid. This applies even if they have or can return to work.
What the claimant does with the lump sum, is entirely up to them. Many use the money to repay their mortgage, pay for medical care or make any developments to their home.
If you are looking into protection advice in Middlesbrough, it’s always recommended to speak with a qualified protection specialist prior to taking out any type of cover.
You are more likely to claim on Critical Illness Cover than you would be with Life Insurance, so this can be more costly. Your protection specialist advisor in Middlesbrough will help you find the most favourable deal.
You are more likely to survive the types of conditions covered than they were 30 years ago. Unfortunately, if you get sick with any of the conditions, this can cause financial difficulties, especially if you have a mortgage, children or large credit commitments.
If you are looking into protection advice in Middlesbrough, it’s always recommended to speak with a qualified protection advisor in Middlesbrough prior to taking out any type of cover. You are more likely to claim on Critical Illness Cover than you would be with Life Insurance, so this can be more costly. Your protection specialist will help you find the most favourable deal.
There is a higher chance of you surviving the types of conditions covered than it was 30 years ago. If you do unfortunately become ill with any of the conditions, this can create financial hardship, especially if you have a mortgage, children or any large credit commitments.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The fee is up to 1% but a typical fee is £495.
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186 5 Star Reviews
Julie Brake
We would have given them 20 stars. Both Warren & Lizzi have worked so hard on our behalf, in what has not been the smoothest of circumstances. They have been so professional and kept us updated. Would thoroughly recommend this company. With grateful thanks in getting us our mortgage.
12 May 2026
Abdul khaliq Mayar
I would highly recommend UK Money Man, especially Matthew Collinson and Paula. They have done an amazing job for me from start to finish. My previous mortgage broker got my application declined through TMW, and I was very stressed and worried. When I came to UK Money Man, they completely changed the game for me. Matthew was always helpful, professional, and kept me updated at every stage — even on his day off. That level of service really meant a lot to me. Paula was also fantastic and worked hard on my application. Thanks to their hard work and support, my mortgage was approved. I truly appreciate everything they have done for me and my family. I would definitely recommend Matthew, Paula, and UK Money Man to anyone looking for a reliable and supportive mortgage broker.
11 May 2026
Flc
Amazing company! Used them many times since 2018 and always a high standard of service! Would definitely recommend!
5 May 2026
William Thompson
I would like to say Thankyou to Jonathan and Dan for giving me an easy experience in sorting out my equity release.They were polite,friendly and very professional in their duties,and they made everything as easy as possible for me
29 Apr 2026
Yasir Noori
The team at UK Moneyman, especially Stacey Waudby and Matt Collinson, were fantastic. They have been really helpful throughout the process and in keeping me in the loop, with any update regarding the application
16 Apr 2026
Janiene Walton
Great service, very professional and I felt my adviser really was interested in helping me get the best deal for a repayment mortgage for my age group.
29 Mar 2026
Andrea McLaren
What a fantastic team. Can’t recommend them highly enough. Warren and Johnathan were so professional and so easy to talk and explain things to. Everything about my remortgage went smoothly thanks to them. I will certainly be recommending them to friends and family. Thank you guys for all of your help, couldn’t have done it without you.
20 Mar 2026
Paul PI
UK Moneyman provide an excellent service, in my case with complex conveyancing. Simple upload of documents, excellent comms and friendly. They took time to understand my needs and to explain options and prov8de illustrations of what I was agreeing to. Fee was reasonable and transparent with no hidden traos or surprises. When things were not quite going as expected (loan provider not UK moneyman this was sorted quickly and efficiently. I would thoroughly reccomend them if you are looking for a mortgage, especially if what you need is not quite standard. Warren and Lizzy did the work, thankyou both...
19 Mar 2026
Craig Butler
I had a great experience working with Leo and Jo as my mortgage brokers. As a first-time buyer, the whole process felt quite daunting at the start, but they provided clear and helpful information from day one, which really put me at ease. They were always quick to respond to my emails and kept everything moving smoothly, regularly following up and making sure nothing was missed. A special mention to the moment they called to let me know my mortgage offer had been approved. It made the whole experience feel exciting and personal, rather than just transactional. I’d definitely recommend Leo and Jo to anyone, especially if you’re a first-time buyer looking for guidance and support throughout the process.
18 Mar 2026
Groovy Gazza
Very happy with the service, everything was made so smooth and easy. They were on hand anytime to answer any questions All very fast and efficient would recommend them no problem
15 Mar 2026
Discuss with a dedicated protection advisor about possible relevant insurances you would like to take or that we can suggest to you.
Your protection advisor in Middlesbrough will run through you health background with you, gathering some initial information.
We will build a tailored plan surrounding your current personal and financial circumstances, meeting your available monthly budget.
Our team can search through 1000s of insurance products to find the most suitable one, to protect you and your family.
Once we have found the appropriate product for you and you are happy to proceed, we will submit your application to the provider.
From time to time, the policy provider may come back to us for further information, before they will look at accepting the application.
If you took out your mortgage with us too, we will be back in touch with you at remortgage time. We will also take this time to review any policies you have in place.
Circumstances change and the policies you took out at the start of your mortgage, may no longer be suitable for you at remortgage time.
Here our mortgage broker in Middlesbrough all our customers are offered a free, no-obligation protection review which involves speaking to one of our Insurance Advisors in Middlesbrough 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 protection advisors in Middlesbrough, 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.
Take a look at our fantastic reviews by heading over to our reviews page. You may find that someone has been in a similar situation to you before and we have been able to help.
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.
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Middlesbroughmoneyman 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.
© Middlesbroughmoneyman 2009–2026
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Middlesbroughmoneyman 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.
© Middlesbroughmoneyman 2009–2026
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