Protect Your Future with Tailored Critical Illness Cover
Critical illness cover (CIC) offers vital financial protection for you and your family in the event of a certain illnesses, such as cancer, heart attack, or stroke. This type of insurance provides a lump sum payment that can help cover medical expenses, settle debts, and ease financial worries during challenging times.
Before buying CIC, it’s crucial to understand how it works and if it aligns with your needs. We specialise in assessing your unique situation to recommend the best critical illness insurance tailored to your requirements.
Essential Financial Security
EXPERTISE AND ADVICE
Since 2001, we have helped our loyal customers find the right critical illness plans. Our expert advisors will guide you through the process and help you select a policy that fits your needs. We know that navigating insurance can be overwhelming, so we’re here to make it simple and straightforward.
MORTGAGE COVER
Make sure to maintain your monthly mortgage repayments with critical illness cover, which often includes life insurance as well. This provides a cost-effective way to protect your mortgage.
STAND ALONE COVER
You can obtain stand-alone critical illness coverage to safeguard your financial future in the event of a specific illness. This policy offers a lump sum payment should you become ill or encounter an unforeseen condition.
COMPREHENSIVE PACKAGES
Our friendly team will guide you on the best financial protection with additional cover tailored to your specific needs and policy term. We understand that each individual has different circumstances, so we are committed to finding the right coverage for you.
Secure Your Future with Expert Critical Illness Insurance Guidance
Ensure peace of mind and financial stability with a proactive approach to critical illness cover. This essential policy acts as your shield against medical expenses, allowing you and your family to focus on health and recovery without financial worries.
With over 20 years of experience as a trusted advisor in Berkshire and nearby counties, we offer invaluable insights into critical illness plans and life insurance policies. Our personalised advice considers your medical history and specific illness needs, empowering you to understand how these policies can provide you with the best coverage. Be prepared and protected with our expert guidance on critical illness cover and additional cover options.
As with all insurance policies, conditions and exclusions may apply.
What is covered by critical illness insurance?
Critical illness policies vary greatly but all offer valuable support when you need it most. They cover many different illnesses, with the most common resulting in a claim being: •Strokes •Heart attacks •Certain types of cancer •Severe head injuries It’s important to remember that insurance policies are unique and do not necessarily cover the same conditions or illnesses. If you’re unsure of the suitability of a policy, then please contact one of our advisers for help in comparing what is on offer.
What can you expect from working with us?
Deciding on the most suitable cover is important. We all want to prepare for and safeguard the future of our family, friends and loved ones, and this type of insurance can ensure you’ve got the right measures in place. We’re here to ensure your needs have been met, both in terms of the policy’s conditions and the price, for cover that can deliver without costing a fortune.
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Do all mortgage brokers charge fees?No, not all mortgage brokers charge fees, and Beechwood Mortgages is proud to be offering fee-free mortgage services to first time buyers in 2024. (terms & conditions apply) As a mortgage broker, we earn our fees directly from the lender, so in most cases you don't have to worry about paying any additional fees for our assistance. We are committed to helping you find the best mortgage deal without adding any financial burden. Our goal is to make the mortgage process as transparent and cost-effective as possible for our clients. Check out our full fat version Do All Mortgage Brokers Charge Fees? for a complete rundown on broker fees and what to look out for.
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What does a mortgage adviser do?A mortgage advisor will do the leg work for you, offering in-depth knowledge of the property lending market, helping you overcome challenges, and offering exclusive access to a database of banks and building societies. What's more, they offer a level of support that streamlines the entire process. You can learn more by visiting our article, Benefits of Working with a Mortgage Broker.
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How can I get the best mortgage advice?You can seek advice on mortgages directly from lenders such as banks or building societies. Alternatively, you can go to a whole of market mortgage advisor or broker who will search and compare numerous products at the touch of a button. Check out Benefits of Working with a Mortgage Broker for more information.
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Is mortgage advice free?The cost of mortgage advice depends on the terms and conditions of the broker / adviser you are working with. Many mortgage brokers will charge for their services and the amount payable will usually depend on your requirements, their own workload and perhaps on the value of your mortgage. We offer a free consultation every time and will quickly confirm if there will be any charge for our services and support. In the majority of cases, we will receive a commission from the lender once a mortgage starts. It’s important for you to clarify terms and conditions with mortgage advisers from the start so that you are aware of any charges and financial responsibilities you may incur. Check our Fees page for a full rundown on broker fees. You can also visit our page Do All Mortgage Brokers Charge Fees? for further information.
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Do banks charge for mortgage advice?No, banks will not charge an advice fee. You do however need to remember that they will only recommend their own specific products. All lenders charge varying fees and this will be no different if you work with a mortgage broker. Whole of market mortgage advisors / brokers are more likely to provide an impartial perspective on the most suitable and competitive mortgage products and via a huge variety of lenders. Many brokers will charge a fee, for more information check out our article, Do All Mortgage Brokers Charge Fees?
