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Comprehensive Coverage: Why You Need Life Insurance Alongside Critical Illness Cover in the UK


Do i need life insurance as well as Critical illness?

Life insurance and critical illness cover are two types of insurance that can help provide financial security and peace of mind in the event of unexpected events. While they serve different purposes, they can work together to provide comprehensive coverage for UK residents. In this blog, we will explore the importance of having life insurance alongside critical illness cover.


1. Life Insurance

Life insurance is a type of insurance that pays out a lump sum of money to your beneficiaries if you pass away. This lump sum can be used to help cover expenses such as funeral costs, outstanding debts, and other financial obligations. There are different types of life insurance policies, including term life insurance and whole life insurance, which offer different coverage periods and premiums.


2. Critical Illness Cover

Critical illness cover, as we have discussed in a previous blog, is a type of insurance that pays out a lump sum of money if you are diagnosed with a critical illness that is covered under your policy. This lump sum can be used to help cover the cost of medical bills, living expenses, or any other expenses that arise as a result of your illness.


3. The Importance of Having Both

While life insurance and critical illness cover serve different purposes, they can work together to provide comprehensive coverage in the event of unexpected events. Having both policies can help ensure that you and your loved ones are financially protected in a variety of circumstances.


For example, if you were to become critically ill and unable to work, critical illness cover would provide a lump sum payment to help cover your expenses. However, if you were to pass away as a result of your illness, life insurance would provide a lump sum payment to your beneficiaries to help cover expenses such as funeral costs and outstanding debts.

Having both policies can also provide peace of mind knowing that you and your loved ones are financially protected in a variety of circumstances. By working with a life insurance professional, you can determine the right amount of coverage for your needs and choose policies that work together to provide comprehensive protection.


In conclusion, having life insurance alongside critical illness cover is an important investment for residents of the UK. By providing comprehensive coverage in the event of unexpected events, these policies can help ensure that you and your loved ones are financially protected and can have peace of mind knowing that they are prepared for any circumstance. As life insurance professionals, we strongly recommend that everyone in the UK consider the benefits of having both types of policies and take steps to protect their financial future.


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You can also give our friendly advisor team a call at 0333 188 7617


Please visit our other articles here if you would like to read more about how Your Choice Cover can help you.


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Your choice cover life insurance

Your Choice Cover,


12 Celtic Trade Park, Bruce Road Fforestfach, Swansea, SA5 4EP


Phone: 0333 188 7617


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