Should I include Critical Illness cover on my life insurance policy?   

 

Critical illness insurance is an extremely effective form of insurance - whether you combine it into your life insurance policy (which is by far the cheapest way to buy both types of insurance) or you take out separate policies (which gives you far more protection - see 'What benefits will Critical Illness cover add to my Life policy?

It's important to note that if you opt for a combined life insurance and Critical Illness policy and you make a claim because of Critical Illness, the policy is finished and will not pay out again if you were to die.

If you want your life insurance to continue after a Critical Illness claim, then you will need to take out separate policies for Critical Illness and life insurance. This will cost you more but gives you full cover until the day you die.

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