Critical Illness Insurance Cover

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Why Choose Ascot Mortgages

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5-star reviews on Google
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years we have been as independent mortgage and protection brokers
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customer satisfaction for finding the best deals on the UK market
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total donated to various charities

Why Choose Ascot Mortgages

0 %
5-star reviews on Google
£ 0
total donated to various charities
0
years we have been as independent mortgage and protection brokers
0 %
customer satisfaction for finding the best deals on the UK market

What Our Clients Say About Us

5.0 Based on 135 reviews from review us onNicholas S. ★★★★★ Fantastic service. Ellie and Jardelle were always quick to reply to any queries and very helpful throughout the process. Highly recommend!Stacey S. ★★★★★ Jason was brilliant to work with! Always on top of the transaction! Would highly recommend 👍Scott ★★★★★ Although I've not bought anything yet, they (Jason in particular) have been super helpful in my search for the right mortgage deal, whilst also giving an honest opinion during these difficult times. Would highly recommend.Sandra I. ★★★★★ Fantastic from start to finish! Natalia and Jason found me the best rate for my remortgage and they were extremely efficient! Best service I’ve ever received from a brokerage company. Thanks so much.Virmantas N. ★★★★★ Amazing service and great communication. Ellie Morgan had quickly completed all requests and over delivered all expectations.Highly recommended for those who want to get the stuff done without any delays!David W. ★★★★★ I have used ascot for 3 renewals since they done helped me with my purchase which was complicated and will continue to use them going forward. Very fair prices and very helpful and knowledgeable even with just general information.Adam B. ★★★★★ Natalia made life very easy for us when remortgaging. Third time using ascot always a breezeTaff G. ★★★★★ Ascot Mortgages have been brilliant. Easy to work with and incredibly helpful. I am always happy to recommend them. Natalia and Jason have made the whole process much easier than I was expecting. Excellent service.Daryl L. ★★★★★ We've had a fantastic experience with Natalia Barry and Jason Jones at Ascot Mortgages for our property purchases and refinancing. Their expertise, coupled with genuine care and understanding of our needs, made the process smooth and stress-free.They were consistently communicative, keeping us informed at every step. Their assistance in consolidating our protection cover was invaluable, simplifying what could have been a complex process.What set them apart was their personal touch – always polite and ready to pick up the phone for a chat. This level of personal engagement is rare and much appreciated.In short, Natalia and Jason are not just skilled professionals but also truly dedicated to their clients. We highly recommend their services to anyone in need of mortgage advice.Jason J. ★★★★★ Great company!Sarah A. ★★★★★ I have used this firm for several years and they have always been super helpful and supportive, attentive and resolved issues in really useful ways. Shout out to Alison, Ellie and Jardelle (and the team!)Georgia W. ★★★★★ We worked with Ellie to secure our mortgage and protection, and she was a dream! Being a first time buyer, I was quite clueless about the process, and in a time where mortgage rates have been quite high, she worked right til the end to make sure we were getting our mortgage at the best possible rate and was always available to answer all questions I had. Can't recommend enough 🙂Richard D. ★★★★★ Laura S. ★★★★★ As a first time buyer, trying to navigate through potential mortgages was a very daunting thought. Ascot Mortgages were recommended to me and I've been extremely happy with the service provided. They have guided me through every step and I finally have a mortgage. Very pleased and would recommend.Lucy B. ★★★★★ Having Phil as my mortgage advisor was great from the very start! He is down to earth and speaking to him was always a pleasure. The kindness, compassion and support I have been given all the way through what can be a stressful process was immeasurable. Phil and Jardelle worked as a solid team and was able to make me feel at ease all the way through buying my first home. The team were always available and the communication between everyone was always clear and I felt safe in the hands of the company as a whole. Thank you for helping me buy my first home!Flora R. ★★★★★ I worked with Richard (Protection Adviser) for a couple of days to sort out life and critical illness insurance. Absolutely brilliant, he found me and my husband the perfect policy. Very knowledgeable and easy to get on, he definetely makes things easy to understand. Thank you for the great service provided.Matthew R. ★★★★★ I've dealt with Phil at Ascot Mortgages for a while now and Phil always comes back back to me with the right plan.Keep the good work up!rafal W. ★★★★★ I would thoroughly recommend Phil Greenwood at Ascot Mortgages ltd to anyone looking to seek advice on purchasing a home.Phil was absolutely fantastic. He made the process very smooth and easy and was always there to answer any questions I had.Shahid L. ★★★★★ This company has been truly amazing in constantly giving me the support and help i need for my mortgage and for their continuous work ethic guiding customers like myself and educating them into making the best possible decisions. My special mention goes to Phil Greenwood who deserves every single credit for his brilliant work and communication skills. The more I got to work with Phil, the more he gained my respect as he is a hugely likeable man and possibly the best mortgage advisor yet. Even after I finished my time with Ascot Mortgages, I will never lose my trust in the company and I hope they exceed their business and gain even more success and popularity.Best wishes,Shahid Latif and familyPretty L. ★★★★★ Phil helped me renew my mortgage. He was great at keeping me updated with any rate changes and secured a lower rate than at the time my mortgage went through. Thank you Ascot for your supportNikki E. ★★★★★ Huge thanks to Richard Johnson for sorting out all of my insurance policies! I had accumulated a variety of life cover and various other policies over the years that all needed a good review and refresh. Richard was extremely patient and helped me to remove the duplication and choose the best cover to suit our current needs. I have used Ascot Mortgages for over 12 years and have met several members of the team, always finding the right help and support to work through what can be a complicated and stressful time. Thanks again, Richard!Andrew T. ★★★★★ Working with Richard at Ascot has been a great experience. He listened to us and was very professional throughout. This was our first experience with Richard but we've been using Ascot now for 6-7 years. Thank you all at AscotAngie B. ★★★★★ Always give a great service and find you a mortgage in a timely fashion.Alison is awesomeAndrew M. ★★★★★ We have used Ascot Mortgages for over 5 years now and have had excellent service throughout, primarily with Alison and Kevin. Our latest dealings have been with Richard Johnson who although new to us (and to Ascot I believe) has once again provided the 5 star level of service we have come to expect. His product knowledge is excellent offering a range of options supported with consistent communication and updates, always available on the phone or on email every step of the way.Ali H ★★★★★ Excellent service, a big thanks to Natalia Barry for her excellent support with my buy to let mortgage application, Natalia was professional, transparent, and kept me informed during all the process, and thanks to Jason jones for his assistance and support.js_loader

Written by:

Richard Johnson

Ascot Protection Expert

Last Updated:

12.02.2024

Written by:

Richard Johnson

Ascot Protection Expert

Last Updated:

12.02.2024

Critical Illness Cover

Critical illness cover offers financial protection for you and your family if you get seriously ill with specific critical illnesses. Imagine if you were to become seriously ill tomorrow – it would undoubtedly impact you and your family. Most of us would be most concerned about surviving the illness and recovering.

However, being able to fully focus on getting better becomes challenging when you’re constantly worried about the huge bills that keep coming in. Sadly, this is a reality for many families whose lives are turned upside down by illness.

But here’s the good news: more and more people are surviving critical illnesses nowadays. For example – according to Cancer Research UK, cancer survival rates have doubled over the last 40 years.

Other types of mortgage protection insurance

If you would like to arrange a free consultation to help you understand which mortgage protection product will be right for your situation, including mortgage payment protection insurance, mortgage life insurance, income protection insurance and critical illness insurance cover, and any other options available please contact Ascot Mortgages – we are will be happy to explain things in a clear, unbiased and helpful way.

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FAQ

Critical illness cover provides a lump sum payment if you’re diagnosed with one of the specific illnesses or medical conditions listed in your policy. This can include serious conditions such as cancer, heart attacks, and strokes, among others. Each policy will specify which conditions are covered.

It depends on your personal circumstances. Critical illness cover can provide financial security if you’re unable to work due to a severe illness, helping with mortgage payments, bills, and other expenses. If you have dependents or significant financial commitments, it’s worth considering.

Yes, critical illness cover typically pays out a lump sum upon the diagnosis of a qualifying condition, provided that the condition meets the definitions within the policy.

Some potential disadvantages include:

  • Not all conditions are covered, meaning you might not receive a payout for certain illnesses.
  • Premiums can be higher if you have pre-existing conditions or a family history of specific illnesses.
  • Once a claim is made and paid, the policy usually ends.

Neither is universally “better” – they serve different purposes. Life insurance provides a sum to beneficiaries upon your death, while critical illness cover pays out if you’re diagnosed with a specified illness. Depending on your needs, having both can offer comprehensive protection.

The ideal age often aligns with life milestones or when financial responsibilities arise, such as starting a family or buying a home. However, premiums are typically lower when you’re younger and healthier, so it might be cost-effective to start early.

While this can vary by policy, common conditions covered include:

  • Heart attack
  • Certain types and stages of cancer
  • Stroke
  • Multiple sclerosis
  • Kidney failure
  • Organ transplant

It’s crucial to read the policy details to understand the specific illnesses covered and any related criteria.

The coverage amount is usually determined based on your financial needs and the premium you’re willing to pay. Consider factors like outstanding mortgage, debts, and potential medical expenses or adjustments to your lifestyle that might be necessary due to illness.

Yes, most policies have exclusions. Common exclusions might include:

  • Pre-existing conditions
  • Certain types of cancers or early-stage cancers
  • Illnesses caused by drug or alcohol abuse

It’s essential to thoroughly review the policy terms and conditions to understand any limitations or exclusions.

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