Can you get Critical Illness Cover without Life Insurance?

I already have life insurance for my mortgage which as been in place for over 5 years. I now have a child and was looking at critical illness insurance to ensure my family is protected should I suffer a serious illness. Can I take out a separate critical illness policy or do I need to cancel my life insurance plan and take out insurance covering both?

Question asked by Terry Gill
Compare Top 10 UK
 Protection
Insurers
 
Takes approx. 60 seconds
Type of Policy
Level of Cover
Date of Birth
Loading your options...
Thank you for using our Quote Tool
If you need some help, just call us!
T: 02084327333
Our in-house Experts are here to provide FREE impartial advice!
Our Experts can answer all your questions
Our Experts can send you more appropriate options based on your personal circumstances

Very important if you are either Self-Employed or a Company Director.

Our online quote tool is good but our Experts are better

Oue Experts have access to far more insurers and can often find a better deal offline.

Saves you time, let our Experts do what they are best at

Answered by Tom Conner

This is a good question and a topic there is often some confusion around.

Standalone vs Combined Cover

You are able to take out a standalone critical illness insurance policy without life insurance however this may not be the most cost effective option. There are tax benefits which insurance providers receive on life insurance policies which means that it can often be cheaper to take out combined life and critical illness insurance over a standalone critical illness plan.

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

Existing Life Cover

Given you have existing life insurance and without any other information with regards to your medical history or the cost of the plan it is best you speak to a financial adviser to ensure you make the right decision. It will really depend on how much your circumstances have changed in terms of your lifestyle, medical history and affordability.

Get in touch…

If you need help then please do not hesitate to pop us a call on 02084327333 or email us at help@drewberry.co.uk

 

 

standalone critical illness insurance
 
critical illness without life insurance
 
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.
Compare Top 10 UK Insurers
  Takes approx. 60 seconds
 - 
Need help? 
Call us on 

Frequently Asked Critical Illness Insurance Questions

 
I’ve recently been ill and it’s made me wonder if i should take out an insurance to pay off...
 
I’ve had a couple of medical conditions in the past and was wondering if i could still be eligible...
 
What’s the difference between critical illness and terminal illness? I’m looking at protecting...
 
I’m currently researching insurances to cover me should i fall too ill to work, which is best personal...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Jayant Rampuria
06/10/2018

Oliver did an excellent job in making the right recommendations. He's been very patient in dealing with my request and helping me choose the right product. Well done and thanks very much!

James Mclauchlan
05/10/2018

Josh did a great job. Did all the legwork for me in getting the best quote and even handed it over to someone else whilst he was away, then finished the whole thing once he was back – impressed!

Raviteja Sajja
02/10/2018

Josh was very good at communicating about different options for Life insurance, advising us on right choice and benefits. I would strongly recommend Drewberry. Thank you Josh.

We are rated 4.9/5 based on 1742 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1829 Reviews
A Lovell
Overall Rating
Extremely helpful and able to understand the various issues and constraint
D at Inforcehub
Overall Rating
Very knowledgeable and easy to deal with.
A Kanwal
Overall Rating
Bronja Whitlock was absolutely brilliant, as my mind isn’t in the right place at the moment due to the loss of my partner and I forgot who my insurers were or if I was covered. I therefore contacted her from an old email that I had from a few years just explaining my situation. I wasn’t expecting a response to be honest, but Bronja replied back the same day. She didn’t just reply with the most empathising response, but she also contacted the insurance company and told them of my situation and ordered my claim pack on my behalf, which I can’t appreciate enough. Bronja Whitlock you are an asset to your company. Thank you.
R Sajja
Overall Rating
Josh was very good at communicating about different options for Life insurance, advising us on right choice and benefits. I would strongly recommend Drewberry. Thank you Josh.
S G
Overall Rating
Rauri has been very professional and has responded promptly to any queries. Very friendly nature too