Combine Critical Illness with Life Insurance
It is possible to combine your Critical Illness protection with Life Insurance to ensure that your family are financially secure in the event of your death or an earlier Critical Illness.
Normally your Critical Illness protection comes with a 14 day survival period attached. This means that if you have only taken Critical Illness protection by itself, you must stay alive for the first 14 days of your illness to be guaranteed a payout. If you sadly die within those 14 days your insurance company will not pay the claim.
If you combine Life Insurance and Critical Illness protection together, you can be certain that if you die within those first 14 days, your family will still receive a payout from the Life Insurance part of the the policy.
The combination of Life Insurance and Critical Illness protection together in one policy often provides a similar or lower monthly premium than taking out one or the other.
These are a range of the insurance companies available.