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CRITICAL ILLNESS INSURANCE MISTAKES TO AVOID 

DM Mortgages
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This video is to explain how to avoid some of the common mistakes people make when they arrange their critical illness insurance policies. We can help you to find the best insurance cover for you and your family's needs including life cover, critical illness, income protection, mortgage protection, family protection plus more to give you the peace of mind you need.
The cost of our insurance service is free of charge - we also provide a free will writing service via MyLastWill.co.uk. Ready to go? Don’t delay, book your FREE online consultation here now - Arrange An Appointment here via our website - bit.ly/3FLqvB7
Not quite ready? Have some questions? That’s ok; we know it’s not every day that you get a mortgage or review an existing one.
Get in Touch;
• Call us for a chat on 0330 175 7504
• Email our team at info@dm.mortgage
• Check out our website here - bit.ly/3FLqvB7
Start your remortgage or home moving journey today. Get in touch with us now to find out how we can make moving home a breeze.
My name is Nicola McKenzie, co-founder of Dunham McCarthy Mortgages. My team and I are dedicated to making mortgages easier for you. Whether you are a first time buyer, climbing the property ladder, investing in a buy to let or simply re-mortgaging, we have an expert on hand to take the burden off of your shoulders.
We’re an independent broker, meaning we have access to nearly every mortgage out there so we can help you get the best deal. Once our expert has matched you to your mortgage, they will stay by your side the whole way, keeping you in the loop.
We also offer advice on protecting your investment with Life Insurance, Critical Illness Cover and Income Protection.
Finally, as a way of saying thank you, with every mortgage or insurance policy we arrange you will receive a voucher to write a Will at MyLastWill.co.uk. Now that’s a first!
For Will Writing & Trust advice, head to;
W: www.dunham-mccarthy.co.uk (Detailed Estate Planning Advice)
W: www.mylastwill.co.uk (Online, quick, easy and convenient solution to draft your Will)
Timestamp
00:00 Intro
01:13 What is critcal illness cover
01:53 Underestimate importance of quality
05:24 Not including life insurance
06:58 Using all or nothing approach
09:23 Not including children's cover
10:49 Choosing low start or reviewable option
12:09 Going direct/ not getting advice
13:38 Postpone taking out cover
15:11 Comparing with family or friends
16:10 Failing to disclose medical details
17:24 Summary
**Your home may be repossessed if you do not keep up repayments on your mortgage**
Dunham McCarthy Financial Services Ltd is an appointed representative of Primis Mortgage Network, a trading name of First Complete Limited which is authorised and regulated by the Financial Conduct Authority.
#criticalillness #contactus #bookafreeappointment

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12 июл 2024

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Комментарии : 26   
@xoxstarxox7779
@xoxstarxox7779 3 года назад
Thank you for your videos. They have been so timely as I’m now nearing exchange
@dekebell3307
@dekebell3307 2 года назад
Thank you so much for sharing this info! I didn't realize there were so many variables, thank you again!
@lifewithryry
@lifewithryry 2 года назад
wow REALLY amazing eye-opening points here thank you
@reynolddasilva8654
@reynolddasilva8654 3 года назад
Thank You!!
@Shinta0SaINt
@Shinta0SaINt 2 года назад
Thank you, excellent info. Best regards Shane from Trinidad 🇹🇹
@allamasadi7970
@allamasadi7970 3 года назад
Your channel will blow up as all those people wasting time watching KSI goofing about will get older and grow up and watch more valuable content like your videos
@makedarussell6493
@makedarussell6493 Год назад
Thank you!
@VeryVivianPodcast
@VeryVivianPodcast 6 месяцев назад
Thanks for the informative video
@varunemani
@varunemani Год назад
Boy was this video perhaps just about perfect in how it describes all possible scenarios in choosing a Critical illness insurance policy. Nicely covered by the way Nicola, and I doubt there is a more detailed or comprehensive source I would find out there. I came here not being able to decide if I want to continue an existing policy - A Critical illness rider (34 illnesses) coupled with Life insurance. Because I was wondering if it would be smarter to save money going for a cheaper possibly Standalone package starting this year. I simply hate forking out 15000 credits every year on something I am not sure I would ever need. Sorry but that's me as you mentioned I really can't help thinking of cheaper options that could be possibly out there.. So I am turning 41 in two days, YEAH I KNOW - TIME TO MAKE A CHOICE I GUESS! 🍷
@prabathmanupriya3675
@prabathmanupriya3675 7 месяцев назад
Good one !
@Kim-m2z
@Kim-m2z 2 года назад
Great info. Can you recommend any great financial services like yourself base in manchester ? thank you
@dm.mortgage
@dm.mortgage 2 года назад
Hi k, I sure can - us!! We are a national company and most of our clients are based all over the UK. You can book a free appointment here to discuss your situation further and get advice; www.DM.mortgage
@Yesthatisme14
@Yesthatisme14 2 года назад
Hi Nicola. Very informative video. Just a follow up question. Can I apply or have different Critical illness policy in one or more provider? Thank you
@444stick
@444stick 2 года назад
Hi mate, I also work in the industry. You can have as many policies as you like, you aren’t limited to just one.
@Yesthatisme14
@Yesthatisme14 2 года назад
@@444stick thank you
@444stick
@444stick 2 года назад
@@Yesthatisme14 no problem, providers really do vary on what they offer. Should you want a bit of guidance let me know. The reason I love my job is helping people.
@NOWWECAN
@NOWWECAN 9 месяцев назад
Just can’t get them to pay. They keep saying they don’t receive my documents. Keep asking to send the same thing over and over. Knowing the hardship my family is facing it infuriates me how difficult they make it to get such a small amount of money.
@Stillaways2go
@Stillaways2go 8 месяцев назад
Going through the same thing after being diagnosed with cancer. It's been 3 months
@NOWWECAN
@NOWWECAN 8 месяцев назад
@@Stillaways2go sitting in a big comfy chair waiting to do my pet scan and wife just texted me that the third party company that is used to collect medical records has received my records. It’s been a month. Hopefully this is progress. They want for us to give up but that’s not happening. It is sad. Wish you this best. Thanks for taking the time to share.
@coppingtonfarnham7731
@coppingtonfarnham7731 6 месяцев назад
Wife had a mild stroke (not a TIA) and since she recovered except for speech issues, the insurance (Metlife)claim was denied. Apparently you have to be in bad shape/permanently to be approved.
@NOWWECAN
@NOWWECAN 6 месяцев назад
@@coppingtonfarnham7731 they paid my cancer claim after three months. I had the same medical records they received so I was able to repeatedly tell them the page numbers of the documents every time they tried to say they needed more. They will tell you they need documents that they already have.
@l2r227
@l2r227 Год назад
I’m 23 and my self and my partner just got a new house and we do not know how much cover should we get we where thinking along 20-30k , we both work full time and have a combined salary of nearly 90k a year. So we are not sure on how much to take , what the advisable average.
@dm.mortgage
@dm.mortgage Год назад
We recommend you book a free appointment with our team to discuss by visiting our website as recommendations are based on Individual circumstances to avoid over or under insuring. It is a completely free service and also includes a complimentary Will. You can book via the website below; dm.mortgage
@sweetfm2008
@sweetfm2008 2 года назад
Hello, question my father has a Critical Illness policy. He took the policy in 2008. He was diagnosed with prostate cancer in 2005. The insurance is saying because he had the diagnosis before the policy, they can’t release the benefit claim. Can I fight this? Also, my dad had CDK (stage ll mild) in 2010 and in 2020 an acute renal failure in his last days last year…. Because it wasn’t chronic renal failure, the insurance still denied the claim. Can I still appeal? Also, minutes before he passed he had a cardiac arrest. Can I use the medical records to prove heart failure/ heart attack as a claim? Please note my father also had respiratory failure and covid when he passed. I’m still working on this and writing an Appeal Letter because of the denial letter received 8/6/21. Could you please help me with the process? Any advice would be greatly appreciated! Thank you
@dm.mortgage
@dm.mortgage 2 года назад
It is not unusual for a pre-existing condition like prostate cancer to be covered, so unlikely you would turn over a challenge in that scenario though in the first instance you are best speaking to the insurer and finding out more about the specifics of the policy and what part of the criteria wasn’t met. Without knowing the full background it is difficult to say if a challenge would be accepted and also - the financial ombudsman would deal with scenarios like this and be able to help you.
@sweetfm2008
@sweetfm2008 2 года назад
@@dm.mortgage Thank You for your advice!
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