Many of us consider Critical Illness Insurance and disability insurance as something that would be a good thing to have but when we are fit and healthy, cannot see the point of making a financial allowance for it in our monthly budgets. Although we are happy to sit with our cup of coffee and a pastry costing each day and somehow rationalise that it is a necessity, but not spend the few pounds a week it would cost for Critical Illness insurance to protect our finances and our loved ones health, should we ever need to.

Most Critical Illness Insurance plans now cater for many of the more common illnesses and because statistics show that there is a good chance you will suffer one of these at some stage in your life, it is a worthwhile policy to have. The number of men who, before they retire, will suffer from a Critical Illness is an astonishing twenty percent according to statistics published from recent research. For women, this figure is slightly lower with only one in six being affected by a Critical Illness before retirement. Lack of knowledge or belief in the chances of contracting a Critical Illness might be the main reason why so few adults take out Critical Illness insurance protection, according to insurance companies. Although Critical Illness Insurance is taken out for many reasons, the majority of people use it to protect their mortgage repayments. Fortunately, most mortgage protection policies will now allow you to include Life Insurance and Critical Illness Cover.