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.
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Frequently Asked Critical Illness Insurance Questions
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