Critical illness cover

Critical Illness Cover (CIC) will pay out a lump sum if you are diagnosed with one of the specified critical illnesses. This can either be for the full mortgage amount or less if this is more appropriate. You do not necessarily have to stop working for a valid claim to be made. Most CIC insurers cover over 25 illnesses, typically including heart attack, stroke, cancer, kidney failure, major organ transplant and multiple sclerosis.

Guaranteed or Reviewable Premiums:

If you prefer your Life Insurance premiums to remain the same throughout the policy term, you require a quote with "Guaranteed" premiums. By selecting "Reviewable" premiums the initial premium will be less but the cost of your policy will increase each year.

On completion, there MAY be a fee for mortgage advice. The precise amount will depend on your
circumstances but we estimate it to be £195.
Think carefully before securing other debts against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage.