| Copyright (c) 2007 Keith Mallinson | | | | |
| | | | Increasingly, the internet is being used to |
| When you are young fit and healthy, it is | | | | buy insurances online and this is now |
| hard to plan for the day when that might not | | | | extending to critical illness insurance. |
| be the case but critical illness insurance is | | | | Unfortunately, being a relatively new |
| something that we all need to make provision | | | | facility, there are new problems that occur |
| for. Providing financial peace of mind for | | | | as more companies start offering services |
| your family by taking out critical illness | | | | over the Internet for the first time. This is |
| insurance, for a mere few dollars each week | | | | because many companies who provide critical |
| should something happen to you, does not to | | | | illness insurance wish to have the applicant |
| seem as important to most of us as having | | | | take a medical examination by an independent |
| that extra, luxury cup of coffee every day | | | | physician to ensure there is nothing untoward |
| during lunch. | | | | right from the start. If you're in the |
| | | | unfortunate position of having to make a |
| Studies have shown there is a strong | | | | claim on your critical illness insurance |
| possibility that at some stage in your life | | | | policy, the last thing you want is |
| you will suffer from a critical illness so | | | | insensitive hassle or apparent non |
| most of the critical illness insurance | | | | co-operation from your insurer. |
| providers now cater for these conditions. | | | | |
| Speaking of statistics, recently they have | | | | Smokers, unfortunately, are treated as higher |
| revealed that at least twenty percent of men | | | | risk critical illness insurance applicants, |
| will suffer from a critical illness before | | | | including anyone who has smoked within the |
| they retire. For women, this figure is | | | | previous year and as a consequence are placed |
| slightly lower with only one in six being | | | | in a high risk category. Smoking is a |
| affected by a critical illness before | | | | potential threat to your life therefore, |
| retirement. | | | | premiums will increase. Having said this, the |
| | | | insurance company will also consider your |
| Lack of knowledge or belief in the chances of | | | | age, type of work you do, general health, and |
| contracting a critical illness might be the | | | | pastimes before it issues the critical |
| main reason why so few adults take out | | | | illness insurance. Critical illness insurance |
| critical illness insurance protection, | | | | will protect you if your condition is |
| according to insurance companies. Although | | | | terminal or critical, you need certain |
| critical illness insurance is taken out for | | | | surgery or if you become unemployed owing to |
| many reasons, the majority of people use it | | | | the condition. If you have family |
| to protect their mortgage repayments. | | | | responsibilities then there can be no debate |
| Nowadays, critical illness cover and life | | | | about the benefits of having a critical |
| insurance can be linked directly with | | | | illness insurance plan set up and in place |
| mortgage repayments. | | | | should the worst happen. |