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John Coker - Purchase
Capital Fortune were extremely efficient at every stage of the process, from first contact all the way through to completion. Without their support, I ...Read More

Critical Illness Insurance

Life insurance is the most critical form of cover to get in place when you take out a mortgage, but of course it only pays out in the event that you die.

While it’s not much fun thinking about it, the reality is that most of us will get ill before we die – and often that means we won’t be able to work. This is a scary prospect if you still have a lot of your mortgage to repay if, for any reason, you become severely ill and can’t earn an income to keep up with your repayments.

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What Our Customers Say

Kim Macgreevy - Remortgage
Excellent ...Read More
11 days ago

Muhammad Tayyab Bashir - Purchase
They are very good . I tried somewhere else but refused . Capital fortune did in one week and I get my mortgage offer . Peter Bartlett and Alex Fryday dealt with my case . Very efficient and friendly. Always there when you need ...Read More
12 days ago

Rosemary Cole - Buy to Let Remortgage
Very efficient and knowledgable. Will certainly recommend to others. ...Read More
17 days ago

Gurdeb Mangat - Buy to Let Remortgage
I have found Capital Fortune efficient and quick in their dealings with me and the loan has been swiftly paid to me. Stephen Marsh and James Drury have been really helpful in dealing with my case/ ...Read More
19 days ago

Find out more

Many people take out critical illness cover to help them get through just this sort of scenario.

There are lots of different policies available and all of them cover slightly different variations of illnesses and stages. For example, the cheaper policies might seem great value but they are likely to cover you for fewer illnesses or they may only pay out if you have stage three cancer for example, rather than stage one.

It’s really worth talking to a financial adviser if you think you need critical illness insurance as they’ll be able to navigate you through the complex jargon and make sure you end up with the best policy for you in your circumstances.

If you do need to claim on your policy and your illness is covered, your insurer will make a one off tax-free payment to you which you can use to pay for any of your expenses including the mortgage, your other household bills, any medical bills and other expenses.

We often see clients who think ‘I won’t need that because it won’t happen to me’. We are programmed to think like this, and we all hope it will turn out to be true.

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A lot of people also think that if they have to stop working but still need to pay the mortgage and buy the supermarket shopping each week the government will step in with benefits.

Welfare is available for some people in some circumstances, but even if you qualify, it’s likely you’ll get between £70 and £100 a week in state benefits, which is unlikely to cover all of your outgoings.

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Some companies provide additional sick pay, although it’s fairly typical that this reduces to the statutory amount after a limited period of absence from work.

Find out the statutory sickness pay amount.

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It may not feel nice, but it often pays to think about what you’d do and how you’d cope financially if the worst did happen. The Association of British Insurers did some research recently and found that around one million British people get seriously ill every year in the UK and can’t work as a result.

If you have family and loved ones depending on you, consider having a conversation with your adviser to find out how much it would cost you to have the peace of mind knowing you’re covered whatever happens.

Find Out Current Best Rates

Property Value
£
Mortgage Amount
£
Reason for Mortgage
Mortgage Type
Lender Initial Rate Type For Then APR* ERC* Fee
Progressive BS 2 Year Discount No Fee Purchase BPG1.29%Discount2 years 5%4.56%2 years £0
Halifax Intermediary FTB 2 Year Tracker £999 Fee BHX1.34%TrackerMar-20214.24%3.9%31-Mar-2021 £999
Halifax Intermediary 2 Year Tracker £999 Fee Purchase BHX1.34%TrackerMar-20214.24%3.9%31-Mar-2021 £999
Leeds BS 2 Year Tracker £999 Fee Legal Assisted BLH1.38%TrackerMar-20215.69%4.8%31-Mar-2021 £999
Leeds BS 2 Year Fixed £1999 Fee BLH1.39%FixedMar-20215.69%4.8%31-Mar-2021 £1999
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%Discount2 years 5.69%4.8%2 years £999
Skipton BS 2 Year Tracker £995 Fee SBS1.41%Tracker2 years 4.99%4.3% £995
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.44%FixedMar-20214.24%3.9%31-Mar-2021 £999
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.44%FixedMar-20214.24%3.9%31-Mar-2021 £999
Santander UK Plc 2 Year Tracker £999 Fee Porting CAN1.44%Tracker2 years 4%3.4% £999
Mortgage product availability is subject to status and availability. Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions.
*APR = Annual Percentage Rate *ERC = Early Repayment Charge
*These figures are only illustrative. An assessment of your needs will be confirmed before a recommendation can be made. A Key Facts Illustration, which is personal to your circumstances, will be provided if a recommendation for a mortgage product is made.

Best Discounted Rates

LenderRateType
Progressive BS 2 Year Discount No Fee Purchase BPG1.29%
then 5
(variable)
DiscountRead More
Yorkshire Building Society Direct 2 Year Discount £995 Fee Purchase YBS1.37%
then 4.99
(variable)
DiscountRead More
Leeds BS 2 Year Discount £999 Fee Legal Assisted BLH1.39%
then 5.69
(variable)
DiscountRead More

Best 5 Year Fixed Rates

LenderRateType
Leeds BS 2 Year Fixed £1999 Fee BLH1.39%
then 5.69
(variable)
FixedRead More
Halifax Intermediary FTB 2 Year Fixed £999 Fee BHX1.44%
then 4.24
(variable)
FixedRead More
Halifax Intermediary 2 Year Fixed £999 Fee Purchase BHX1.44%
then 4.24
(variable)
FixedRead More
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