The information on this page should not be considered as financial advice. If you are unsure what’s right for you, please make sure you speak to a financial adviser.
Consider how you would support your family or pay the bills if something happened to you, and whether life insurance could help you.
The answer to this question will vary depending on your personal and financial circumstances. The key considerations are in two parts:
- how your regular outgoings will be maintained if you die.
- how might having a serious illness affect you and your family
Read more on how much critical illness cover you should get here.
So how much should I take?
Ideally, you should have as much cover as you have life insurance, but the critical illness cover can get very expensive very quickly. You can reduce the amount of critical illness cover to meet your budget. Some critical illness cover is better than none.
If you've thought about all these things and still unsure, you can speak to your financial adviser, who will consider your circumstances and run through your options. You can also call LifeSearch, who we've chosen to offer customers independent advice for protection products.