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Critical Illness Cover

Critical illness cover pays a tax-free lump sum if a policy holder is diagnosed with a defined critical illness during the policy term. My Mortgage & Protection Experts operate throughout the entire UK and will help you find the right deals for your situation.

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Critical Illness Cover


critical illness insurance

Critical illness insurance will pay out a lump sum in the event of a claim if the policy holder suffers from a specific medical condition or injury covered by the terms and conditions of the policy. Once the policy has paid out, generally the policy will end. However, there are exceptions to this with certain UK providers, where additional payments can be made. Types of conditions that are covered as an example are certain types and stages of Cancer, Heart Attack, Stroke, and conditions such as a Permanent & Total Disability.

Children can also be added to critical illness policies, and whilst this is a thought that perhaps we would not want to think about. Most insurers receive a high volume of claims for children every year.

The level of cover can be the amount required to repay the mortgage, or maybe at a lesser amount such as your annual salary or 12 months household expenditure. The level of cover can also be adjusted to suit your budget and term of the policy required.

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Critical Illness Insurance


life and critical illness cover

life and critical illness cover is advisable, especially if you are applying for a mortgage or have other financial commitments. Equally, if you are a sole mortgagee, critical illness could be considered as a higher priority than life assurance, this is because, you as an individual are solely responsible for repayment of the mortgage.

At MMPE we can offer our clients advice with regards to levels of cover required, the differing quality and benefits of individual insurers. There can be significant differences in medical conditions covered between one provider and another and we believe advice is essential.

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My Mortgage Experts & Protection Experts Ltd (FCA 937076), is an Appointed Representative of King Mortgages Ltd.

King Mortgages is authorised & regulated by the Financial Conduct Authority (FCA). King Mortgages Ltd is entered on the financial services register under reference number 803561.

The information contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.


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      Automatic Property Value Updates

      Changes in property value, coupled with a potential reduction in your loan amount (with a repayment mortgage), mean a change in the equity available in your property (Loan to Value); hence there could be improved opportunities for a better mortgage for you.

      Product Expiry Date

      Sussed will track when your mortgage is due to expire (usually when your mortgage payments rise substantially as you will automatically transfer to your lender’s standard rate).

      The app will alert you when it’s the right time to discuss your options with your mortgage broker.

      Sussed can help you plan.

      Rate Riser

      This feature is ideal for today’s economy and increasing prices. Sussed will continually scan the market, looking for the best-fixed rates available, especially when interest rates are rising.

      Using a series of algorithms, our clever technology can identify longer-term fixed rates available today that could save money against predicted rates at the end of your current product term (including the cost of transfer) – sussed is doing all the hard work.

      Equity Available

      With automatic property value updates and your Mortgage information loaded, this feature calculates the amount of equity and the maximum potential loan that may be available within a landlord’s portfolio. This will assist with seeing if there is the opportunity for to perhaps buy another property from leveraging your portfolio.

      Within sussed, you will also be able to see each of your properties with a roadside picture, a confirmed property value, monthly rental, current mortgage balance, payments, interest rate and the Loan to value/Gross rental yield.

      Sussed can help you manage your portfolio.

      Early Review

      This feature is there waiting for interest rates when they reduce. Using the same technology as Rate Riser, sussed will identify if your current deal is now able to be improved.

      Should the interest rates decrease, sussed will compare deals available on the day with your existing deal and flag if there is an opportunity for you to save money by switching.

      Regional Price Limits

      There are price limits on homes you can buy with an equity loan. The limit is different for each region in England.

      • East - £407,400
      • East Midlands - £261,900
      • London - £600,000
      • North East - £186,100
      • North West - £224,400
      • South East - £437,000
      • South West - £349,000
      • West Midlands - £255,600
      • Yorkshire and the Humber - £228,100

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