Should I get Critical Illness Insurance Instead of Life Insurance

Should I get Critical Illness Insurance Instead of Life Insurance?

Ans: It is a very good idea to have critical illness insurance but only in addition to life insurance instead of alternately. This type of coverage will pay a lump some if you are diagnosed with a life ending disease with 12 months or less to live. This can be come very important as those funds will be paid out while you are still alive rather than upon your death.

Critical illness insurance also provides you with a viable way to be able to pay for your mortgage when you have an illness that is very serious. You may wish to decrease the amount of coverage that you have too depending on the type of mortgage that you have. For example you may have a repayment mortgage or you may have one that involves paying interest only. These types of insurance though do cost more than just traditional mortgage life insurance or traditional life insurance. Many people find that purchasing both critical illness coverage along with life insurance You will save money when you actually get a combined policy such as that.

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"I would like to thank LifeInsurance.org.uk...
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C.Z. - Canterbury

"Just a quick note to say thank...
...you for all the help that your company provided. I would like my thanks to be passed on for the professional and uncomplicated way this matter was handled by yourselves."
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I couldn't have been more pleased...
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"Very impressed with the service...
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Mr Colin Murray, Newcastle