Can You Get Critical Illness Cover Without Life Insurance?

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When Critical Illness Cover Might Be a Better Fit

When Life Insurance Alone Might Be Enough

Should You Have Both?

Other Insurances to Consider

How We Can Help

Yes, you can take out critical illness cover without life insurance. While the two are often combined, they serve different purposes.

Critical illness cover provides a lump sum if you’re diagnosed with a serious illness covered by your policy, helping with medical costs, household bills, or lost income.

Life insurance, on the other hand, ensures your loved ones receive financial support after your passing.

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When Critical Illness Cover Might Be a Better Fit

If you don’t have dependants who rely on your income after you pass away, life insurance may not be a priority. However, a serious illness could leave you unable to work, affecting your financial stability.

In this case, critical illness cover can offer financial support, allowing you to focus on recovery rather than worrying about expenses.

This can be especially important for self-employed individuals who don’t have sick pay or those with a mortgage who want to ensure they can keep up with payments if they become too ill to work.

When Life Insurance Alone Might Be Enough

If your main concern is ensuring your family is financially secure after your passing, life insurance may be enough.

A policy can cover outstanding debts, mortgage payments, or general living costs for your loved ones.

Those with a strong sick pay policy or other financial safety nets may feel they don’t need critical illness cover, especially if they have other protections in place.

Should You Have Both?

For those looking for a more comprehensive safety net, having both life insurance and critical illness cover can provide greater financial security.

If your budget allows, either a combined policy or separate policies can ensure protection in multiple scenarios.

Life insurance looks after your family’s future, while critical illness cover provides financial support when you need it most.

Other Insurances to Consider

Depending on your circumstances, additional protection policies may be worth considering:

Income Protection Insurance

Income protection insurance, works differently to a lump sum payout. Instead, this provides a regular income if you’re unable to work due to illness or injury.

Family Income Benefit

Family income benefit is a type of life insurance that pays out a regular income to your family instead of a lump sum, helping them manage day-to-day expenses more easily.

How We Can Help

Finding the right protection policy can feel overwhelming, especially when deciding between different types of cover.

Our team of protection advisors are here to help you explore your options and find a policy that suits your needs.

Whether you’re looking for critical illness cover, life insurance, or additional protection like income protection insurance, we can provide expert support to ensure you have the right level of cover in place.