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Specialist declined critical illness insurance advisors.

Declined for critical illness cover? Don’t waste time worrying about the future. Our advisors are here to make sure your mortgage is covered now.

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Finding The Best Critical Illness Deal For Your Circumstances After Being Declined

If you’ve been declined for critical illness insurance to cover your mortgage, don’t worry. It’s not uncommon for insurers to decline your application if you have disclosed a current or previous medical issue, but there are options out there for you. When the Bank Says No has access to specialist insurers who will be more sympathetic to your circumstances. Though you may face reduced options, you don’t need to fear the worst. Our expert insurance advisors will make sure you have the right mortgage protection in place.


Protecting you

No one wants to be vulnerable, but being declined for critical illness cover can make you feel that way! Don’t be scared of what the future holds; our friendly team of insurance advisors are here to find the right policy for you against the odds. With us, you can find total peace of mind that you’ll be able to afford your mortgage, even if the worst happens – protecting your home, protecting your family, and protecting you.

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When you think you’ve hit that brick wall and have all but given up hope of finding mortgage finance, When the Bank Says No are here to turn your ‘No’ into a ‘Yes’. We have access to a range of specialist lenders who are willing to help those that the High Street banks just won’t touch. Get in touch today and see how we can turn your dreams into a reality.

Frequently Asked Questions

What is critical illness insurance?

Critical illness is insurance that provides you with a tax free lump sum if you are diagnosed with one of their specified illnesses. The most common medical issues covered by this type of insurance include heart conditions, cancer and strokes. Taking out critical illness cover when you take out your mortgage is highly advisable as it safeguards your home in the event that you do fall ill and cannot keep up with repayments.

The impacts of a critical illness can be vast, affecting not only your health, but also your work, income, mobility, childcare, and financial commitments. The provision of a lump sum at this time can provide you with financial peace of mind while you recover, enabling you to pay to see specialists, make mobility adjustments, or even pay off your mortgage in full. Taking out a mortgage and want to explore the options? Talk to our experienced team today!

Yes, it is! When someone gets declined for critical illness cover it is generally because they didn’t have the right advice at the time, or weren’t approaching the right insurers. There is a policy out there for everyone, and When the Bank Says No can help you find yours. Our specialist advisors will seek out the most appropriate critical illness cover for your circumstances, connecting you with specialist insurers who are understand your needs. With us, critical illness cover is easier than ever before!

First of all, don’t worry! You can still get the protection you need, but it’s important to get expert advice. Our friendly advisors are here for you in this unfortunate situation. We know you might be worried about what the future holds for your new home, so we’re here to take away this stress. The first thing to do is find out everything you can about why you have been declined. This may linked to your medical history or lifestyle. When applying for critical illness cover, it’s important to disclose honestly and transparently anything that may affect your medical future. With a full understanding of your situation, we can identify the specialist insurers best suited to your life. Don’t wait and worry on your own – talk to our expert team today!

Yes, you can! Having medical conditions can complicate the critical illness insurance process, but it’s definitely not impossible to find a good deal. Getting approval in these circumstances requires professional advice and support to ensure you are applying to insurers who understand and accept your specific condition. When the Bank Says No has access to these specialist insurers, and will do everything to safeguard your success whether this is your first application, or you have previously been declined.

Depending on the insurer and the type of plan you take out, critical illness insurance can cover your children, as well as come congenital conditions. In fact, many insurers allow you to add children to an adult policy at no extra cost, covering them for the same conditions as you, as well as certain child-specific conditions. This can provide a lifeline in the event of them becoming seriously ill, and you needing to care for them. At this time, finances can become stretched, whether that is because you need to adapt the mobility of your home or you cannot work. Critical illness will enable you to keep up with mortgage repayments or even pay it off in full, protecting your children’s home.

Critical illness cover can be pricey, but it doesn’t have to be! Being faced with higher than expected policy can be stressful, but our specialist advisors are here to make sure you get the best possible deal for your circumstances. Sometimes, insurers charge more for people in certain age brackets because there is a higher risk of getting a critical illness, or they may charge more if certain lifestyle factors make illness more likely.

If you know you need critical illness but are worried about the financial implications, speaking with our expert team can help you rest easy in the knowledge that you have the most appropriate product for you.

Trusted advice for declined critical illness insurance.

When the Bank Says No has helped current and future homeowners all over the UK safeguard their finances in the event of serious illness. We know that having a medical condition and then facing a limited number of insurers willing to help you can be upsetting, but we’re here to take the stress away. With access to specialist insurers, we can match you up with a policy that is more suited to your circumstances, and give you the best chance of approval the second time around.

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