Common Critical Illness questions.
Common Critical Illness questions.
Please contact us with your Insurance query
Please contact us with your Insurance query
Simply enter your details below for us to help you.
By submitting information through this website, you have given your agreement to receive verbal contact from us to discuss your insurance requirements. You voluntarily choose to provide personal details to us via this website.
Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.
Simply enter your details below for us to help you.
By submitting information through this website, you have given your agreement to receive verbal contact from us to discuss your insurance requirements. You voluntarily choose to provide personal details to us via this website.
Personal information will be treated as confidential by us and held in accordance with the Data Protection Act 2018. You agree that such personal information may be used to provide you with details of services and products in writing, by email or by telephone.
By submitting this data, I am consenting to the use of my data in line with our Privacy Policy
By submitting this data, I am consenting to the use of my data in line with our Privacy Policy
Is life insurance worth getting?
Is life insurance worth getting?
The short answer is yes. Having Life Insurance means that the insurance company will pay a specific sum to your beneficiaries after your death within the chosen term of the policy.
The short answer is yes. Having Life Insurance means that the insurance company will pay a specific sum to your beneficiaries after your death within the chosen term of the policy.
What age should you get life insurance?
What age should you get life insurance?
Life Insurance is recommended to anyone who has a mortgage, children and/ or other financial dependents.
Life Insurance is recommended to anyone who has a mortgage, children and/ or other financial dependents.
Which life insurance is best?
Which life insurance is best?
It is important to seek professional advice when researching Life Insurance, so that you can be assured you will have the level and type of cover which best suits your need.
It is important to seek professional advice when researching Life Insurance, so that you can be assured you will have the level and type of cover which best suits your need.
Why do I need life insurance?
Why do I need life insurance?
Many people, at all stages of life, can benefit from the peace of mind that the financial security a Life Insurance policy will provide.
Many people, at all stages of life, can benefit from the peace of mind that the financial security a Life Insurance policy will provide.
What is the average life insurance cost per month?
What is the average life insurance cost per month?
The amount you pay will depend on your age, your health circumstances and the type of insurance that you choose to have.
The amount you pay will depend on your age, your health circumstances and the type of insurance that you choose to have.
The Critical Illness Process
The Critical Illness Process
Working with HB Partners
Working with HB Partners
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An informal introductory conversation
An informal introductory conversation
Your protection experts will work with you to establish your personal risks. Once these have been ascertained, we will take you through the options available, such as the required level of cover and cost involved.
Your protection experts will work with you to establish your personal risks. Once these have been ascertained, we will take you through the options available, such as the required level of cover and cost involved.
We will look for the most appropriate Critical Illness insurance product to meet your circumstances. Note that your children will usually be covered, free of charge, up to a defined level of cover.
We will look for the most appropriate Critical Illness insurance product to meet your circumstances. Note that your children will usually be covered, free of charge, up to a defined level of cover.
Our Expert Recommendation
Our Expert Recommendation
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Discover the right insurance for you
Discover the right insurance for you
Our experts will calculate the amount of cover required, then compare the relevant providers who meet your needs. Our experts will then discuss the choice of providers and options for you.
Our experts will calculate the amount of cover required, then compare the relevant providers who meet your needs. Our experts will then discuss the choice of providers and options for you.
With your agreement, we will then proceed with an application. We will manage all paperwork and update you at every stage of the process, until completion.
With your agreement, we will then proceed with an application. We will manage all paperwork and update you at every stage of the process, until completion.
Full Application
Full Application
Critical Illness typically pays out a lump sum if you survive a specified critical illness, such as some forms of
Critical Illness typically pays out a lump sum if you survive a specified critical illness, such as some forms of
What is 3 + 5 =
What is 3 + 5 =
Meet the Team
Meet the Team
WHAT ILLNESSES ARE COVERED BY CRITICAL ILLNESS INSURANCE?
WHAT ILLNESSES ARE COVERED BY CRITICAL ILLNESS INSURANCE?
The most common are cancer, stroke, multiple sclerosis, heart attack, kidney failure, coma, paralysis, blindness and deafness. Many more critical illnesses are covered, and the list varies from provider to provider. Please contact us if you require further clarification.
The most common are cancer, stroke, multiple sclerosis, heart attack, kidney failure, coma, paralysis, blindness and deafness. Many more critical illnesses are covered, and the list varies from provider to provider. Please contact us if you require further clarification.
I'VE HAD CANCER PREVIOUSLY. WILL I STILL GET COVER?
I'VE HAD CANCER PREVIOUSLY. WILL I STILL GET COVER?
Depending on the type of cancer, severity and location, there is still a strong possibility that we can obtain cover for you.
Depending on the type of cancer, severity and location, there is still a strong possibility that we can obtain cover for you.
WHAT IS THE DIFFERENCE BETWEEN CRITICAL ILLNESS AND TERMINAL ILLNESS COVER?
WHAT IS THE DIFFERENCE BETWEEN CRITICAL ILLNESS AND TERMINAL ILLNESS COVER?
Typically, terminal Illness benefit is an insurance which pays out when the life expectancy of the policyholder is less than twelve months. Critical Illness pays out a lump sum on diagnosis of a specified illness.
Typically, terminal Illness benefit is an insurance which pays out when the life expectancy of the policyholder is less than twelve months. Critical Illness pays out a lump sum on diagnosis of a specified illness.
WHAT IS CONSIDERED A CRITICAL ILLNESS?
WHAT IS CONSIDERED A CRITICAL ILLNESS?
Insurers differ in their definitions, but normally this is defined as an illness requiring major surgery to correct, or, alternatively, an illness resulting in serious health and lifestyle changes.
Insurers differ in their definitions, but normally this is defined as an illness requiring major surgery to correct, or, alternatively, an illness resulting in serious health and lifestyle changes.
Frequently Asked Questions
Frequently Asked Questions
If you have a specific question, click the button below, and we will do our best to answer this for you.
If you have a specific question, click the button below, and we will do our best to answer this for you.
Why use us?
Why use us?
We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.
We don’t sell. We listen objectively and identify financial risks which allow us to put in place the best insurance policy available.
We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism.
We have over 25 years' experience in the mortgage industry, offering a wealth of knowledge and the highest standards of professionalism.
We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.
We have access to technical insurance portals to analyse the best providers and policies across the whole of the market.
We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.
We provide expert professional advice to homeowners and first time buyers on mortgages, remortgages and buy to lets.
Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.
Where necessary, we have direct access to senior underwriters in some of the biggest insurance providers in the UK.
We are qualified to advise you on your equity release requirements.
We are qualified to advise you on your equity release requirements.
Home > Life Insurance > Critical Illness
Home > Life Insurance > Critical Illness
What our clients say
What our clients say
Mark Culham
Adviser & Co-Founder
Mark Culham
Adviser & Co-Founder
Steve Jascourt
Adviser & Co-Founder
Steve Jascourt
Adviser & Co-Founder
"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."
"I get satisfaction about having ‘real’ conversations with people about why having the right cover in place is so important. I also take a lot of comfort from knowing that our clients are covered should the worst happen."
“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”
“Arranging mortgages for my clients impacts positively on their lives, and gives me immense job satisfaction. When a client returns for repeat business, or refers family and friends to me, I know that I have done a great job.”
