Can I get critical illness cover without life insurance?

Is it true that you need to have life insurance before you can get critical illness? I’ve got life insurance through work as a company benefit so don’t want to take out another policy but would like to get critical illness in case i’m too ill to work.

Question asked by Sam Griffiths
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Answered by Will Martin

Most people decide to take out their critical illness policy with their life cover. However, you are able to take out a standalone critical illness policy in its own right.

It is less common to do this because the monthly premium of a critical illness policy with and without life insurance is about the same. Also, some insurers don’t offer standalone critical illness cover so you would be limiting your choices if you try to exclude the life cover element of the policy.

A different option

If you don’t need life insurance and would feel like you’re paying for someone you don’t need with a life and critical illness policy then you may like to consider income protection insurance as an alternative, which is often more cost-effective.

Income protection pays out a monthly benefit to replace lost income you were to suffer an illness or injury that prevents you from working.

Speak to an expert

It might be of benefit to get in contact with one of our advisers, we can help you find the most suitable insurance for your needs and our service is fee free. Our telephone number is 01273 646 484 or alternatively pop us on an email to and we will be in touch.


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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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