Many people buy a life policy when their circumstances change, usually after buying a house, having a family or both! The life insurance aspect of a policy is designed to cover the cost of the outstanding mortgage debt when you die. Meaning that your family are financially secured. However, if you are concerned about the financial impact of your untimely death then you must also think about what would happen if you became critically ill.
Critical illness cover is a type of insurance that pays out if you have been diagnosed with a life-threatening condition specified in the policy. But you must bear in mind that not all policies cover all critical conditions, which is why we encourage everyone to obtain a quote that covers the market.