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Life cover and critical illness cover combined

This is where a life assurance policy, which pays on death or after a fixed period, also includes the equivalent of a Critical illness policy. There are hundreds of life policy providers. Many of these are tied to a mortgage or only available from a bank where you have an account.

 

Selecting a Life Policy because of the option it also offers on Critical Illness, is as nonsensical as buying a car just because you like the radio or sat nav system. There is one benefit of combined life and critical illness policies. They can be cheaper than buying the two products separately.

 

Most of these types of policies, and details about them, are only available from insurance intermediaries, tied agents of insurance companies, banks, building societies, supermarkets and others. In theory, you should be able to see clearly whether or not a provider offers a range of policies from the market, only products from one company, or is a multi tied agent for only a handful of insurers. In practice, this is not always clear.

 

Types of cover:  Index