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Critical Illness Insurance Advice

Financial protection when you need it most.

Blossomfield insurance professionals can help you find and apply for the most applicable critical illness insurance based on your needs and circumstances. We’ll also walk you through other types of insurance that may prove more beneficial, leaving you with the facts to make the best decision for you and your family.   

Call one of our critical illness insurance advisers today on: 0345 066 6555 or drop in to see us at our Coleshill Road, Birmingham office.

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What is Critical Illness Insurance?

Critical illness cover is a policy designed to pay the insured party a lump sum if they suffer a critical illness. Examples of critical illnesses covered by this sort of policy are cancer, strokes and heart attacks. The specifics of what is and is not covered within critical illness insurance will differentiate between insurers and individual policies.

The amount received in the event of a critical illness can also vary between policies and the type of illness experienced. The cover is designed to cover medical expenses and loss of income, so it is not easy to put a single figure on the amount you’ll receive in the unfortunate event you need to make a claim.

To help navigate critical illness insurance and find the most appropriate critical illness cover for your needs, contact a Blossomfield insurance professional now.

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Critical Illness Insurance FAQs

When does critical illness cover pay out?

Critical illness cover will pay out on the date an official diagnosis is made or within so many days of that diagnosis. For example, it may pay out 14 days after the diagnosis. Each policy will have its own terms and conditions.

When should I buy critical illness cover?

Critical illness cover can be taken by young adults and by those in their late 60s. There may be a period where the policy does not pay out, such as the first year or two. People are more inclined to consider critical illness insurance if they have a family history of a critical illness or are in poor health. However, these details will likely need to be disclosed upon application.  

What’s the difference between critical illness cover and income protection insurance?

Critical illness cover pays out when you suffer a critical illness, whereas income protection insurance pays out for reasons that prevent you from working, which may or may not be deemed a critical illness. Moreover, critical illness insurance typically pays out a lump sum and income protection is more likely to pay out in instalments until you can return to work.

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Why Choose Blossomfield for Your Critical Illness Cover?

Blossomfield insurance team is highly experienced in sourcing all types of insurance policies. Not only will we help you find the most advantageous policy for you, but we’ll discuss alternative policy types so you’re fully aware of all options at hand. For a service that really cares, choose Blossomfield.

Our insurance team is just a call away. Pick up the phone and start the search for your financial lifeline should the worst happen. Our experienced critical illness insurance advisers are based in Birmingham, cover the whole of the UK, and will support you through the entire process. Call us today on: 0345 066 6555 or drop in to see us at our Birmingham office.

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What our customers say about us

Blossomfield mortgages were very helpful to me and my partner when we first enquired about whether we were mortgageable to buy our first home. We were very impressed with their professionalism. Best mortgage broker in Birmingham!

Sam Ansell

Amazing service provided by Blossomfield in a quick and timely manner. No matter what questions we had they were always willing and happy to answer with their wide knowledge and experience. Would recommend Blossomfield to anyone.

Geraldene Marsh

Excellent service, quick turnaround, as promised. Will be using again and again. Would highly recommend Blossomfield Mortgages.

James Dean

Excellent service from Blossomfield Birmingham, they were able to sort a mortgage out for me very quickly and made the whole process simple and stress free, always available when needed and provided regular updates.

Jack Moriarty

I approached Blossomfield regarding a mortgage using there Birmingham branch and the service I have received has been nothing short of amazing their efficiency and passion to get everything done and approved in a professional manor is astounding.

Ryan James

Blossomfield Mortgages provided fantastic advice. Our mortgage approval went through very fast, as our mortgage was handled with the utmost urgency. From start to finish, the whole process was a breeze. We sat back and let them handle all the hard work.

Lewis Jewsbury

What our customers say about us

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Frequently asked questions...

Do I have to take out life insurance?

Although it is not a legal requirement to take out mortgage protection insurance, we strongly advise considering it. Life insurance will protect your home for the recommended term, and it would give you the peace of mind that your family could remain in the property in the event of your death or serious illness.

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Will my employer be contacted?

No, we will never contact your employer without your permission.

How old do I have to be to have a mortgage?

Currently, the minimum age for taking out a mortgage is 18. There are no legal upper age limits, but lenders will typically set their own criteria for a maximum age they are willing to accept. For residential mortgages, the upper age limit for starting out on a mortgage is typically 65 to 70, and the upper age limit for when the mortgage ends is up to 85, but this may be higher with some lenders.

Your mortgage broker will guide you to the most suitable lender based on your age and circumstances.

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