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

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

 
Is it true that you need to have life insurance before you can get critical illness? I’ve got life...
 
I’ve recently been declined critical illness insurance by an insurance company i have dealt with...
 
I do lots of overseas travelling for both business and vacation. I’ve started looking at insurances...
 
I’m 43 years old and looking at taking out critical illness cover. I drive a motorbike to work...
Need Help? Live chat now and get an instant answer from our Experts...

Neil
Pensions

Victoria
Insurance
Our Latest Reviews
Edward Brampton
13/01/2018

They were patient thorrgh and good value for money. I regret not using them before and I will use them again in the future.

Fiona Katumwa
11/01/2018

Very excellent service and informative. All options were offered and I had to make my own decision at the end. Would recommend.

Graham Mccollum
14/01/2018

Very efficient and well instructed service with polite staff, I felt Drewberry really did do their utmost to find the best deal for me personally.

We are rated 4.9/5 based on 1320 independent client reviews.
To read more of our independent client reviews click here →
REVIEWS
EXCELLENT
4.92 / 5 Average
1397 Reviews
S Cutter
Overall Rating
Very professional and easy to deal with. Jake treated me like a human being and made me feel like a valued customer.
P
Overall Rating
Applied for an income protection plan and owing to medical condition had to make a few changes and Victoria from drewberry was really helpful
P Monaghan
Overall Rating
Courteous, prompt and clear service
D Lewis
Overall Rating
I was having trouble finding a suitable income protection policy online and was unclear about what I should be looking for, so I contacted Drewberry. The process was very quick and straightforward. They called me and explained how this type of insurance works, and then went through series of questions about my circumstances to try and find the right cover for me. They came back to me the next day with several suitable options and emailed all the relevant information clearly laid out. Michael Barrow, the advisor I spoke to, was happy to explain things in detail and answer any questions I had. I would definitely recommend Drewberry as they took all the hassle out of a confusing search.
R
Overall Rating
The service provided by Victoria was second to none. She made my experience of sourcing income protection simple and seamless. I would highly recommend Drewberry!