Is it a Good Idea to Combine Critical Illness Coverage with Life Insurance

Is it a Good Idea to Combine Critical Illness Coverage with my Life Insurance?

Ans: It can be a good idea to combine both critical illness coverage and life insurance. It will save you money to have them together. It is important though to note should you need to get a payout due to the critical illness aspect of it, then there won’t be a second payout upon death. It is an either/or payout format.

The only way that you can get your life insurance coverage to continue after a payout for critical illness coverage would be to have them as separate policies instead of combined. This is going to cost you more than if you have them combined but the difference is that you can get a pay out should you qualify for critical illness payout and then once you die there would be the payout on the separate life insurance.

It is a good idea to think about the various benefits you get when you add critical illness coverage to your life insurance policy. That way you can get a good idea of which route you should take. For those that have life insurance with terminal illness coverage and you find you have less than 12 months to live you will get a payout immediately instead of it being made after death.

Consider what you would do if you suffered from a stroke or you lost your eyesight. These may be serious health concerns but people are able to live for many years with them. However, it is extremely likely that you wouldn’t be able to return to work because of it. The terminal illness coverage will only payout if you have less than 12 months to live so that wouldn’t give you any income. With the critical illness coverage though it would cover it and so you won’t experience and gaps where you aren’t covered should something serious but not life threatening take place.

Statistically 1 in 5 men and 1 in 6 women will suffer from a type of critical illness before they are old enough to retire. That is why it is very important for you to seriously consider the critical care insurance coverage. There are tons of illnesses that can be covered under such a policy. Make sure that you read the specific ones associated with any policy though before you buy it because they can have a lot of variation among policyholders in this area.

The most common ones include:

Alzheimer’s disease
Anemia
AIDS
Blindness
Brain tumors
Burns, 3rd degree
Cancer
Coma
Coronary problems
Deafness
Dementia
Heart Attack
HIV
Inability to talk
Kidney failure
Loss of the ability to live independently
Loss of limbs
Lung disease
Meningitis
Neurological disease
Organ transplant
Paralysis
Parkinson’s disease
Permanent disability
Stroke

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