Why Do I Need Critical Illness Insurance?

There are very few people who would not benefit from critical illness protection. If you are worried that if you were diagnosed as suffering from a serious or critical illness you would need to rely on your friends, family or the State; then you should consider critical illness protection.

If you are diagnosed with a serious illness that prevents you from working, you and your family will no longer receive the income that you used to support the family home. Critical Illness cover will make sure that your family are financially secure by replacing your salary.

There is a 1 in 16 chance that during your working life you will suffer a serious illness requiring you to be off work for six months or more.

Mortgages, car loans, medical bills, and credit card debts will still need to be paid whilst you are ill, and without Critical Illness protection these obligations may have to be met by using any savings that you have. Alternatively, your partner may have to find a full time job, which may not be easy if you have a young family to consider. Either way will seriously affect you family's resources.

Critical Illness insurance will provide you with relief from financial worries at a time when your health should be your main priority. Without appropriate cover, you could end up having to sell your car, or even your home, in order to meet your family's ongoing financial obligations. This policy will provide you with a lump sum almost immediately after diagnosis, and thus will help avoid any financial difficulties for you and your family.

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