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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 CriticalI 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

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’s best you speak to a financial adviser to ensure you make the right decision.

The way forward 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

Michael Barrow was absolutely awesome, professional and truly helpful all the way setting up our insurance policy, made it super easy to select the right one. Highly recommend him for everyone. Thank you so much for your hard work Michael.

Istvan Szabo
24/04/2019
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