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   Insurance: Critical Illness Insurance
Critical illness insurance pays out a lump sum if you are diagnosed with one of a range of specified life threathening critical illness. The lump sum paid out is to help with the extra costs of living with a particular condition but it's important to note that it only pays out if you contract one of a defined list of illnesses.

Ask yourself, who you know of your relatives or friends who have suffered a heart attack, heart by pass surgery or is a cancer survivor.

They survived the initial critical illness and may be enjoying life again? Was their recovery prolonged and how were their lives and those of their families, or businesses affected? What are the financial problems of survival?

 • Being unable to work for some time can cause a serious loss of income without disability insurance.
 • What will it cost to adapt to a new lifestyle changes you need to, or want to make to make to help your recovery?
 • Will your close family be able spend time with you while you recover? What will it cost if they need time off work to help you?
 • Serious illness or disability is a major cause of mortgage foreclosure!

Critical Illness insurance was designed to provide important financial support to solve problems in a way that disability, life, and medical insurance could not. It pays the insured while they’re alive, from $10,000 up to a $2,000,000 maximum tax-free lump sum. The money is paid on the diagnosis of a critical illness or specified event, after surviving for 30 days or more, depending on the condition. It is not based on inability to work and full recovery can be made. It offers a unique customer benefit, as one can spend the money as one wishes. It covers up to 40 types of critical illnesses or events.

Unless you have substantial savings (or other sources of income), some form of critical illness insurance may well make sense for you. How much you should have depends on your circumstances. Consider the lump sums that you might need in the event of contracting a serious illness; being able to pay off the mortgage, for example, or to make modifications to current job responsibilities.