Michael W.
Michael was diagnosed with bowel cancer at 42. His critical illness policy — arranged fee-free by Amazon Mortgages — paid off his entire mortgage, letting him focus on recovery.
"When I was diagnosed with cancer, the last thing I wanted to worry about was money. My critical illness policy paid off our entire mortgage. I cannot overstate how important this cover is."
— Michael W., Leeds
£280,000
Payout Received
100%
Mortgage Cleared
6 Weeks
Claim Time
£1,400
Monthly Saving
The Situation
Michael was a 42-year-old project manager living in Roundhay, Leeds, with his wife Claire and two children. When they moved home two years earlier, their Amazon Mortgages advisor had recommended adding critical illness cover to their life insurance — something Michael almost declined to save money.
The Challenge
Michael was diagnosed with stage 2 bowel cancer after routine screening. He faced months of treatment, including surgery and chemotherapy, meaning extended time off work. While his employer offered 6 months of full sick pay, the family worried about what would happen after that — with a £280,000 mortgage and two children in school.
How We Helped
Michael's critical illness policy paid out a tax-free lump sum of £280,000 within 6 weeks of diagnosis. This covered the entire outstanding mortgage balance. With the mortgage cleared, the family's monthly outgoings dropped by £1,400, removing the financial pressure entirely and allowing Michael to focus solely on his treatment and recovery.
The Outcome
Michael's mortgage was paid off in full. He underwent successful treatment and is now in remission. With no mortgage to pay, the family's finances are secure even during his phased return to work. Michael now actively advocates for critical illness cover to everyone he knows.
Their Journey Timeline
Original Advice
Amazon Mortgages recommended critical illness cover when Michael moved home — he almost said no.
Diagnosis
Diagnosed with bowel cancer at 42 after routine screening.
Claim Submitted
Advisor helped the family submit the claim to the insurer.
Payout Received
£280,000 tax-free lump sum paid within 6 weeks.
Mortgage Cleared
Full mortgage paid off. Family finances secured during Michael's recovery.
"I almost didn't take out critical illness cover to save £20 a month. That £20 paid off my entire £280,000 mortgage when I was diagnosed with cancer. I cannot tell you what that meant to my family. While I was going through chemo, we didn't have to worry about losing our home. My wife could take time off work to look after me. Our kids' lives carried on as normal. This isn't an exaggeration — critical illness cover changed our lives. Please, please get it."
Michael W. — Leeds
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