The reason why we think critical illness protection is so important is that this sits with our core value of working with our clients until they’re mortgage free.
In an ideal scenario that will simply mean we help you obtain the right mortgage and help manage that down over time until you’re mortgage free.
Unfortunately, life gets in the way and unexpected things do happen.
Therefore, we have a moral obligation to talk through at least what the risks are and then you can decide for yourself what’s best for you and your family.
What is critical illness cover?
Critical illness protection was created in 1983 by cardiac surgeon Dr Marius Barnard. He found that patients were surviving major illnesses but were badly affected by the long term physical and financial impacts. He worked with insurers to create what is now known as Critical Illness Cover.
That’s why we will help you pick the best critical illness cover for you from the most relevant insurer for you based on your specific needs and objectives.
Why do you need mortgage critical illness cover?
Therefore, it’s just so important for us to at least have this conversation with you about the best critical illness cover for you.
You make the decision, our job is simply as an adviser to offer you the pros and cons, the costs, and the risks and then you can make an informed decision about what’s best to do for you and your family.
If you would like to talk about critical illness protection in more detail, please get in contact with one of the team, we would love to help you with personalised advice.
A fee of up to 1% of the mortgage amount may be charged depending on your circumstances (ie. £1000 on a £100,000 mortgage). A typical fee is £495 plus we will receive commission from the lender.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Rose Capital Partners Ltd is an appointed representative of PRIMIS Mortgage Network, a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Buy-to-Let. The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK. Rose Capital Partners Ltd. Registration No. 08843654 registered in England and Wales. Registered Address, Leigh Saxton Green, Clearwater House, 4-7 Manchester Street, London W1U 3AE.