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Critical Illness Insurance is used in a lump sum when a big health event such as certain forms of cancer, heart attack, or a stroke happens to you. It provides a financial blanket in case you become ill from any of the illnesses stated in the policy. Not all serious illnesses are covered in the policy, which insurers often get criticised for, however, your policy will have more information on this.
This lump sum can be utilised to pay off a mortgage, cover medical expenses, or even make necessary home improvements. If you are seeking critical illness insurance in Hull, our expert protection and mortgage advisors in Hull are here to help you.
If you are looking into Protection Advice in Hull, 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. Looking into mortgage advice in Hull 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.
Sometimes a claim may be denied due to the claimant not disclosing certain health conditions at the time of application. This does not apply to conditions you were unaware of, or were not present at the time of application.
The lump sum is paid out providing the condition is mentioned in the policy. This applies even if they have or are able to return to work.
What the claimant does with the lump sum, is entirely up to them. As a trusted mortgage broker in Hull, we see many use the money to repay their mortgage, pay for medical care or make any developments to their home.
For insurance business we offer products from a range of insurers.
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Jake Coulson
Chris was very friendly and made this whole process painless. Would highly recommend.
23 Oct 2026
Ava Applegate
10/10 would recommend. Always kept us updated and quick replies. Very friendly. Thank you so much Joe and Jason.
5 Oct 2026
kieren ward
I had a fantastic experience with Hull Money Men, and I cannot recommend them highly enough. From start to finish, the entire mortgage process was smooth, transparent, and completely stress-free. A special mention must go to Jason Harros, who went above and beyond to secure the best possible deal for me. His expertise, professionalism, and dedication were outstanding. He took the time to explain every detail, kept me updated at every stage, and was always available to answer my questions.If you looking for a reliable, efficient, and friendly mortgage broker in Hull, look no further than this team. Five stars all the way. Kieren
28 Sep 2026
Pete Clements
Perfect from start to finish , kept me informed on the progress of the mortgage all the way and was always available to talk on the phone and answering email promptly .
25 Sep 2026
Harvey Kemp
Everything I have needed they have covered Alex has always been there on the phone ready to answer and help me out a plan in place for what’s best and Joe working behind the scenes making sure everything is getting pushed and documents are going where they need to. Would highly recommend as I’m a first time buyer and couldn’t have gone smoother
16 Sep 2026
Shnyar Kamal
I highly recommend UK Moneyman to anyone looking to buy their first home as my experience was excellent with them. As a first time buyer, I was so confused and stressed out about everything as I had no idea how and where to start and what to do at all. Mortgage was used to be the most complicated matter for me to get my head around and now I have my offer ready! I am so lucky that for some reason I contacted UK Moneyman and got my first appointment with Chris Wardill. Chris is an exceptional mortgage advisor and he has been extremely helpful, patient and supportive throughout the whole process. He never hesitated to explain everything as many times as it took me to understand things properly. He was always responsive, respectful, professional and never made me feel bad for being the most confused person about everything. I highly appreciate and admire his patience and great support in every bit of this exhausting and stressful process. The best part was that he was always cheerful, friendly and super kind in every way. We cannot say thank you enough for everything. Amy Kerwick was also super helpful in every way, her calm and patient manner was everything I needed at the time and she always made sure she explained everything thoroughly and that I understood everything about the next steps. Amy was always updating me on every step and explained what the next steps would be. They never missed out on any detail and this made the process go smoothly and way less stressful than it is. The members of the admin team were always friendly and helpful too. Thank you so very much Chris and Amy, you both are wonderful people who know how to do your job in the most professional way.
29 Aug 2026
Hannah M
Excellent service from our advisors, very quick and efficient in sorting our mortgage
25 Aug 2026
Jasmin Devine-Runkee
We had a fantastic experience with Hullmoneyman. From start to finish, we were guided with clear, informative, and accurate advice. There was no unnecessary hassle, and Conor and Jo kept us regularly updated throughout the process, ensuring we always knew what was happening and were quick to respond to any of our questions - even daft ones! They made what can be a stressful process of arranging mortgage and life insurance, feel straightforward, informative, and stress-free. At times I’d say it was even entertaining! They saved us a significant amount of time and money. We are very happy with the service we received and have already recommended Conor & Jo to our friends and family.
22 Aug 2026
Lucy Shakespeare
Would highly recommend, we had Jason and Joe and it could have not gone any smoother than it did, really happy with the service. They really go above and beyond and got us the best mortgage rate than other mortgage brokers couldn’t!
13 Aug 2026
Michael Edwards
Excellent service, really helpful and great to deal with.
10 Aug 2026
Start a conversation with our dedicated protection and mortgage advisor in Hull to explore the insurance options that align with your interests and needs.
Our extensive access to a range of insurance products lets us to identify the most suitable and effective policy to protect you and your family.
We will move forward by submitting your application to the provider. In some cases, the policy provider may require additional information from us to further review your application.
If you’ve secured your mortgage with us, we’ll be in touch when it’s time for you to remortgage. This will provide us with an opportunity to review any existing policies you currently hold.
All our customers are offered a free, no-obligation protection review which involves speaking to one of our Insurance Advisors in Hull 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 Hull, 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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Hullmoneyman 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.
© Hullmoneyman 2009–2026
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Hullmoneyman 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.
© Hullmoneyman 2009–2026
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