Critical Insurance pays a lump sum on initial diagnosis of a serious medical problems. You are permitted to keep the money even if you make a full recovery. It can be incorporated into another life insurance policy on a level term or whole of life basis, or as a stand alone policy.

Anyone who wishes to be protected against financial concerns resulting from a critical illness may harvesting the benefits of Critical Insurance:
• Persons who would like to obtain specific medical treatments
• Parents who would have to temporarily leave their jobs to devote themselves to the recovery of their child
• Persons who would like to have home nursing care or to go on a trip to assist in their recovery
• Business owners or self-employed workers who would have to compensate for the loss of productivity or clients after an illness