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C'mon, when a person tell you the sell Life insurance for a living you don't instantly invite then out for a drink and a chat. Life insurance is one of those things few of us like to think about – and that’s not only because it involves thinking about the inevitable. It’s also because some find it complicated. But if you want to help provide financial security for your dependants when you pass away, it’s worth looking into.
"If I had my way, I would write the word "insure" upon the door of every cottage and upon the blotting book of every public man, because I am convinced, for sacrifices so small, families and estates can be protected against catastrophes which would otherwise smash them up forever.
It is the duty to arrest the ghastly waste, not merely of human happiness, but national health and strength, which follows when, through the death of the breadwinner, the frail boat in which the family are embarked, founders and the women and children and the estates are left to struggle in the dark waters of a friendless world"
Critical illness cover helps to support you and your loved ones financially if you've been diagnosed with a specific condition.
You'll receive a lump sum payment to help cover the costs of treatment, or to help pay the bills, if you're not able to work.
Critical illness insurance usually doesn't pay out if you pass away. This is where life insurance comes in.
In most cases, life insurance only pays out if you pass away during the term of the policy. It's designed to help your family to maintain their lifestyle after you've gone (for example, by covering mortgage payments or children's university fees).
Many insurers will offer both types of cover at once, so make sure you understand what each policy offers before you buy.