Can You Get Critical Illness Cover Without Life Insurance?

Standalone Critical Illness Insurance: Watch Our 30 Second Expert FAQ Video!

You may see a combo of Life Insurance with Critical Illness Cover, but can you buy them separately? We asked our very own, Alex Weir, for a clear answer. Just press play! 👇

Getting Critical Illness Cover Without A Life Insurance Policy…

There is often confusion around whether or not you can get Critical Illness Cover without a Life Insurance policy so this is a good question.

The quick answer is yes. You can take out Critical Illness cover without taking out Life Insurance too.

Standalone Vs Combined Cover

Although you can take out a standalone Critical Illness policy, it’s not always the most cost-effective option.

This is because there are tax benefits which insurers receive on Life Insurance. This means it can often be cheaper to take out combined Life and Critical Illness Insurance rather than just Critical Illness.

You can compare quotes from the top uk insurers here to see the premium difference for yourself.

Existing Life Cover

As you already have a Life Insurance Policy, the best thing to do is speak with a financial adviser. Without knowing other information such as medical history or the cost of your current policy, it’s hard to say what the right option would be.

It really will depend on how much your circumstances have changed since taking out your Life Insurance. A financial adviser will be able to look at your current lifestyle, health and budget and tailor a recommendation to your specific needs now.

Need Friendly Expert Help…

To ensure you get the best cover possible for your budget and needs, we would always recommend speaking with an adviser. The team at Drewberry is on hand to help so don’t hesitate to pop us a call on 02084327333 or email us at help@drewberry.co.uk.